<p>:)</p>
<p>Yes, different situations do differ from person to persons - especially when the persons are older and married - as you are 
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<p>As you know, many/most undergrad students here on CC are either 18 year olds entering college for the first time or 20 year olds transferring. Both groups are typically single and dependents of their parents. Too many (because of their youthfulness and lack of experience of supporting themselves) are determined to take out huge loans with little thought of how repayment will affect their future lives. Sore are even rather jokey about it. </p>
<p>Best of luck to you. :)</p>