I go back to school in the spring. I have the option of getting an additional loan which would be enough to pay for approx. 9 months of our house payment. If I went this route I could work only part time, focus more on my classes, and still have a chance to spend a good amount of time with my 3 children. If I go this route my whole time in school I will have more to pay back, but my income will be substantially higher by then. With our country the way it is though I fear getting a job then may not be easy. So is it worth the risk?