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They were unsubsidized Stafford loans, which she took out in the maximum amount then available. She did go directly into the working world after college; she’d had a biology fellowship lined up in grad school, but changed her mind a few weeks before graduation. She’s been in pharma sales for the past 2 years.</p>
<p>Full disclosure: we’re actually paying these loans back for her, largely because our financial picture improved once she graduated and we can afford to. But she could afford to, as well. In fact, she’s considering a return to grad school in another field and has enough in her savings already to pay for almost all of it, so she may not need to take out loans for her master’s. That’s the way to do it! :)</p>