I didn't have undergrad loans (I was fortunate to have scholarships and grants), so this will be my first time taking out loans for anything other than a car.
My guess is it will take me 12 years (max) to pay off my loans, and I'm 28. Loans are my only option at this point; I burned through my savings in the last few years evacuating for hurricanes, moving twice, and being in a bad, money-sucking relationship. I see two jobs in my future if I want to pay them off faster (say in 7-8 years); probably consulting, or if I have to I'll go back to the hospital floor and pick up shifts. And no new cars....I bought one two years ago.
I'm passing up an opportunity to go to a top 20 school for public health because of cost. I'd rather go to a state school with 20+ years of success for 20k per year than the top 20 school for 40/50k per year. If I'd applied earlier, I probably would have received some sort of scholarship or assistantship. But it is what it is. Maybe I'll end up deferring a year (doubt it), but regardless an MPH is a worthy investment for me and time's a wastin'....I'm no spring chicken anymore.