<prompt> Human: We are, give or take, 20,000 CAD in debt Which I know is not even that much - but so much of our income goes toward paying this off. I clear about 600 CAD per week working a full time teaching position. My husband is a full time SAHD. We receive 530 in child tax benefits every month.Heres the thing. We have no savings. We are renting a super cheap house at the moment that is liable to be up for sale next year. Since we live in a university town, landlords jack prices up like crazy. We got really lucky with this house - we are paying what many university students are paying for a single room in a house. We have a whole house to ourselves. Obviously we need our own space as a couple with a 1.5 year old. Im worried that we wont have this place for much longer and that we will be forced to pay double the rent for the next place.My husband, who is a former touring musician, wants to go to school now. He is 37 years old, has not completed a university degree. He wants to do an online program perhaps; a general BA with maybe a major in psychology. Hes not 100 convinced this is the right program for him, but hes been struggling with what to do for so long now that its time for action. And it is. He has had a career in music but doesnt want to be away from home anymore, having a family now. He still does music occasionally but only if its local, and theres not too much happening locally. We live in a small town. Which he hates, incidentally. So his going-back-school is fueled partly by the desire to gtfo of this shitty place since Im not going to be initiating the move with the decent, enjoyable job I have now and he certainly doesnt have the means to initiate it, and also hes fueled by the need to do it for himself, as he is very intelligent and his friends all have done school and many are well-to-do. So its partly an ego thing. Plus of course, the desire to get ahead and make a bit more dough than 30 fucking thousand CAD per year. So about his going-back-to-school idea: I worry about two things:1. Paying for his schooling. While I realize this is a good investment for the future, Im not sure hell qualify for a student loan, having defaulted on one in the past. This might mean Ill have to take out a line of credit, which means high interest, and paying as you go. We barely have a couple hundred bucks left in our accounts at the end of the month these days, how will we make those payments? Hes also opposed to getting a job, which is of great annoyance to me. Some part time shift at the gas stationlocal pub would help so much, but hes convinced he wont have the time being a FT SAHD and FT student. Maybe hes right. I seemed to have pulled it off back in my university days, but I can juggle a lot of busy-ness, whereas he seems to need more down time.2. Im also worried that after more debt he wont like the career he chose for himself, or not want to pursue it. He is the type of person who must be happy doing his job, or else he wont do it.I just need direction. What makes the most sense right now for us? On top of it all, I want another kid. I would prefer not to wait 10 years. It almost makes sense to get on that now since hes already a SAHD but I also feel this would be a very bad plan since maternity leave benefits would leave me with half my income which we really couldnt survive on unless my husband worked, which is no guarantee. Luckily Im younger than my husband and only 24, so I could technically wait 10 years to have another if thats what it takes to sort all of this out...What would you do? Any advice appreciated. Thank you.  <response>: Screw getting a degree. Unless there were some particular career hes passionate about that requires one, I dont think having a random one would help him enough to be worth it. My guess is that hed be happier learning a skilled trade e.g. carpentry or something but just thinks hes supposed to go to college because thats just what smart people do. As a smart person who went to college, I now understand that thats bullshit.Take a look at this: 