<prompt> Human: I need some opinions on what my next step is for my career. Im 20 years old, I have an associates degree in accounting, and I like what I do. My apologies if another sub would be better for this, but this is also a huge financial obligation with maybe not a lot of payoff.I made 14.00 right out of school, my performance raise got me to 14.50 was super disappointed with this as I should have been making 1516, but our 3 person department went down to just two last month me and my superior and my pay was raised to 17.00. Based on some guessing, the lady who quit was making around 50kyear or 24hr she had her bachelors degree. My job responsibilities havent changed much since she left, I am just learning to do a few new things. My supervisor is on salary and works overtime almost every week, but she must love to work extra, because I usually only work 38 hour weeks and often spend a few hours helping out another office with non-accounting work. We receive yearly performance raises every January. I am eligible for full benefits, and will be eligible for 401k and a 3 match in July.The job I have now has many different responsibilities in accounting and I will come out of it with many different job options as I could probably find a job specializing in any one of the tasks that I do. Those jobs specializing in specific tasks maybe pay around 18-20hr but generally need 2-3 years of experience. Ive been working with my company for 7 months.My financial situation:1,000 emergency savings goal is 4,800 for 4 months of expenses, then I will throw money at my loansCC never has a carrying balance on it, I use it minimally15,000 Federal loans, all are between 3.6-4.8 interest, repayment starts soonA local university has a degree completion program for working adults. It has classes 1-2 nightsweek and I will need to be a full-time student to be eligible for a scholarship. Accounting for the scholarship, I will need to take out 15,000 in federal loans for the two years it will take me to finish assuming I can handle full time work with school and possibly take out 2-4,000 in private student loans for books and extra fees. I have a lot of extra free time, have no friends, and Im just not a very busy person. I did take one class this fall paid out of pocket, had some trouble with motivation, and saved almost every assignment for the day it was due, although I still got an A and finished everything on time every week. It was not an accounting class but still business-related. It was not challenging at all, so that was a little frustrating. I have high standards for myself and always strive to be the best I can be academically. This is why I dont want to simply stop at an associates degree. I feel like thats not good enough for me.My question is - Do I take out another two years of loans to go back to school? I will start out at that 50k when I graduate, but I also might get there myself with the yearly raises or finding new jobs with my experience.  <response>: I really want to throw my two cents in here. As I am currently on the polar opposite end of your situation. Have money saved, a lot of experience in my field of study 4 solid years reputable company yet not even my associates.The way I see it now am 24 had I taken loans out earlier and chose to finish school - sure I may not have gotten the experience yet I may have landed an even more reputable job or position in the first place. There is a lot of speculation with the internet barrier- but clearly you are a highly motivated individual who has not blown the chances they have been given. The best part of your current situation in my opinion is the loyalty you have given the company you work for now. Think of it this way - when you finish a BA- not only will you have at minimum 2 years experience in business you will have the capacity tbag fortune companies look for. Young- loyal - and full of motivation to work.My answer? Finish school. Take the loans out you need to asap, as the older I personally get the harder it is for me to squeeze time for school.Talk with a university counselor as well - they usually have solid advice specific to you 