<prompt> Human: Good morning. Im here looking for opinions and different points of view on my current financial situation. I owe 67k in private student loan debt and I did NOT graduate from college. I have completed around 70 hours of coursework towards a degree started on a business school track. Effectively, that makes me core curriculum complete with a few extra business courses thrown in. Now, for the good part. I live in a state with no state income tax and I work for a very stable company earning an annual salary of 62k. As you may have guessed, my upward mobility here is limited because of my lack of a degree. The reason Im reaching out for some opinions is that Im at a crossroads so to speak. Do I re-enroll in a state university adding on about 20k in debt so that I complete a bachelors degree or do I stand pat and repay the debt that Ive incurred? Also, I live in an area with two very highly ranked private universities TCU SMU. Both of the private universities would require me taking out an additional 80k in debt to finish the last two years of school if I wanted to go that route. I havent identified a major just yet, but I like finance go figure and I like marketing. Also Im in my early thirties, single, and I do not have the option of living with parentsfamily to save . I contribute to a 401k but I have almost no savings. However, aside from my car, I carry no debt other than that student loan.Assistant: I was all for you getting your degree until your final line :I havent identified a major just yet, but I like finance go figure and I like marketing.Until youre 120 sure about what you want to do with your future, dont sign up for 5-figures in additional debts..Human: The problem is, I dont know what I want to do. I want to be employed, I know that much. Work has always come easy to me and Ive never found something that I get all giddy about showing up for everyday. Im not depressed, I swear lol just trying to be as clear as possible.  <response>: Ive never found something that I get all giddy about showing up for everydaySometimes, you never find that thing. Its not easy to find something youre excited to do 40 hours a week for 30 years. And your feelings will change. Be practical about what major you pick to help you obtain employment. Dont be emotional about it, they change with the wind. 