The future is like an undiscovered country;** none of the two positions are certain to last forever. Get a position which will land you debt free ifaster.** How did you land up with so much debt? Please learn from the past and avoid getting into such a position again. I am against all sorts of loans, yes even student loans. Living debt free lets you stars savings, so its financially more viable. Not only can you retire earlier and enjoy life; you live longer not having dealt with the stress that being in debt might cause.