I think it really depends on what you feel is right for you. I am in a 2yr RN program at my community college in Texas. It is estimated to cost around $10,000 for the entire 2 yrs as they have estimated it in the Associate nursing admit packet. LVN, RN, and BSN are all nurses. You would still be achieving your dream. The question is what are your own expectations for yourself? I could have gone into a LVN program, but my personal expectation is I wanted at least a two year degree. Also, in my area many hospitals are no longer accepting LVNs. LVN's mainly work in homehealth or nursing homes. RNs in my area have difficulty getting jobs right out of nursing school, and internships are highly competitive. I completely agree that you may want to manage your debt first. Also, if you went through an LVN program and completed that first, you would be able to pay debt down faster while still working. I am in a 2 yr associates degree program (am in my 3rd semester), cut my hours to part-time (entire 1st year I did 36+hr/wk), I have 2 children (5 and 6 y/o now)+ husband. I am also taking pre-reqs towards my BSN while completing my associate's program. I do not have time for socializing with friends (only study groups), I do not watch tv, and I have to meticulously schedule my study time, family time, doctor appts, dentist appts, and work time while leaving ample time to sit in traffic for 30min-hr. It is not impossible to work full time and be in nursing school, but it is difficult with a family and small children. I will say that does put some strain on a marriage. Some couples have become divorced and others are on difficult terms with their partners after beginning nursing school. I am 26 now and 5 years ago I had started nursing school only to take time off after getting married and bed rest for difficulties in my pregnancy. All my classes expired that I had taken. So 5 years later I am working 2 jobs and we decide we need to cut expenses dramatically, and move back in with my parents so that I can afford to attend college. Decisions are not easy, but some are necessary. After those 5 years passed I said,...I should have stuck with it and I would have been done by now. In 2 years will you have cut your debt and actually started school? In 3 years will you still be saying you need to go back and follow your dream? There never seems to be a "right time" to do anything. We can plan things, but things very rarely go according to plan. Good luck in whatever decision you make. I sincerely hope everything works out for the best.