I've said it in other threads, but I REALLY recommend finishing up your degree or going back to get it. It is so much easier to do it now, while you are young and relatively unattached, than later when you have a wife, kids, full-time job, etc. College loans aren't fun, but they also aren't like other loans in that you don't have to pay them back while you are in school and also you can set up your repayment options to coincide with your status at the time (for example, graduated payments, deferments for hardship, etc.) Further, given the state of the economy now, it is sometimes a good option to go back to school. EDIT: P.S. Belated happy birthday, Garmentmerchant!