<p>Thanks for citing the calculators, swimcatsmom. </p>
<p>Students - it is one thing for parents to assume a big chunk of debt. We are more likely to have emergency assets squirreled away … and we are sort of used to dealing with crushing debt. I agree with Counting Down that having some debt is not a bad thing - but it has to be managable without having to invoke massive good luck from the job deities. And don’t forget - your projected gross salary and your take home pay aren’t the same thing at all.</p>