[syntheweave]

From everything I've seen in having spent about as many years out of school as in it, it's way more likely that you make it a few years in and then burn out without fully paying off the debts. Is your plan really to spend the next 30+ years hating your workday, then bringing the bad mood to the dinner table?

I say that having also been the cheater who hated the material and got the grade. Why did I do that? Parents wanted me in a "good career," same as everyone else. They saw a script and they kept pushing in that direction. So I convinced myself into it, at least for a while. It was phony baloney given that in my actual career the majority of my money has been made by crypto speculation and miscellaneous random opportunities, not anything that ever needed a credential. Fortunately I pushed myself onto a path that actually worked for me along the way and graduated right when I was actually starting to appreciate the coursework. Some people make it all the way through medical or law school and then immediately quit the field.

My advice is this, basically - don't try to win at your career, just try to survive; winning is a temporary thing that you can get by pushing harder for a short period, but surviving is a matter of doing everything at a viable level, forever. If you really think this is the best shot you have under the circumstances to achieve a decent life for everyone concerned, then sure, by all means. But aim to exit towards something that actually fits you as soon as possible, even if it's a "simple" move like going from IC into management.