<prompt> Human: I am 23 years old, live with my parents, graduated in 2014 with a bachelors that I have not been able to find any real work with, and am strongly considering going back to school. I attended a public school, have always lived at home and worked part time, so I managed to only accrue 12k in debt for my undergrad. I have been able to find exactly zero work in my field, and I am desperate. I started looking into more promising careers, and settled on an accelerated Bachelors programs in a field that has a high demand and makes between 80k-100k in my home state. I applied to 18 schools in the country, and got into 2, neither of which are in my home state. Both are private, and have upwards of 60k for total tuition. This will not include living expenses, so I will have to take out additional loans for that as well. So I am looking at graduating at 25 with around 75k in private loans. My parents told me that although they cannot help me with money, that I will always have a place to stay with them when I am done. I have no qualms living at home until I am married, I have a great relationship with my family. So my plan is to move back home when I graduate and just live meagerly, putting all my non-necessity income into my loans until they are paid off... I have no other debt aside from my federal subsidized school loans from undergrad. Car paid off, no other real bills. Did anyone read this, and think Oh God this is a really really bad idea...? I never imagined having that much debt, but I feel like I am out of options. Is this better or worse than I am making it out to be? Anyone have any insight into my situation that I am missing?  <response>: Three things from me:1. Identify why you only got accepted to 2 of your 18 schools. Thats a very low number. Fix that issue, then reapply next semesteryear. You need more options at this point, and you can absolutely do this for cheaper at a similar quality. Without options youre going to wind up overpaying 9 times out of 10.2. Why not a Masters? Theyre generally shorter same length as an accelerated bachelors, probably and open a few new doors.3. Do those 80-100K job opportunities exist in other states? Or are you locking yourself down into 2-3 potential employment pools? Also can you move around in your field or are you tying yourself to 1-2 jobs? The job market may change in 10 years and flexibility is key.Getting two degrees with 85K worth of debt is not unreasonable, but there are definitely smarter ways to do it. I wouldnt tell you not to go back to school, but you need to get more options and do a bit more research before diving into more debt. 