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But, I've always wanted to start a family and have many children and live in a quiet suburb and I am just totally unsure if I would be able to support a family on 55k a year 10 years out of college. I just don't myself being able to afford a home and finance my childrens' education on 55k a year. I want to do what would be best for my family to insure their happiness and well being.
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I don't know about CivE, but engineering PhD's normally make more than 55k a year. In ECE for example, 55k/year would be pretty much what an entry-level BS graduate would make whereas PhD's would make significantly more.