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We have a specific situation in that we have college debt from helping put our sons through college and we have debt because I (the mom) have also gone back to college. Our sons did incur some debt, but because of our income, they were not eligible for grants, only loans, so we took out loans to help with their education. I have been able to get a small scholarship for myself, but that will cover only part of the costs. We are a hard working family, with both children and parents working to cover our living expenses. Now our kids are paying off their losns and we will be paying on our loans for years to come. Unfortunately, my husband and I are facing the need to be saving for retirement in the next ten years as well. We feel we are caught in the middle. However, since I have no marketable skills, this has seemed like the best option for our family. Hopefully, I will able to contribute in a meaningful way after I graduate, which will be in Spring of 2009.

posted 4 years, 8 months ago
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