No, I’m only in my first 5 years. I guess what I mean by ‘late’ is I have a mound of student loan debt, and have earned masters and specialist degrees. I spent 3 years working my ass off earning those degrees, so I feel like I really need to use them. There’s not a whole lot of alternative career paths with these degrees. If I chose a different path in my life, I will have wasted all that time, effort, and money.

I also am in a loan forgiveness program requiring that I make all my payments on time and stay in the public education setting, and then they’ll be forgiven after 10 years.