Hello All! I have had a million things going through my head and am wanting some opinions from people! Here is my situation! I am getting married this summer! I currently have a bachelors and masters (non health related) and work full time but decided about a year ago to go back to nursing school! I have a applied to a couple places for a fall 2016 start and am really wanting to get into the accelerated 12 month program (the catch is it is going to be about $36,000). What I am now thinking is that I should maybe wait one more year and work full time and then try to apply to the accelerated BSN program or possibly even wait one year and apply to an ADN program (2 years). The plus to starting an ADN program next fall (2017) would be I don't have to take out a single loan and I could even work 30ish hours a week during to program. After I graduate, I could get a full time job at a hospital that does tuition reimbursement and essentially get my bridge program paid for. Downside is it would take me roughly 4 years to get it all done (but I wouldn't have any loans) and my soon to be husband and I want kids! While he is okay waiting, I am not getting any younger and really do want kiddos! How hard was it to have kids while in nursing school. Would it be better to have kids first and go back to school in a couple years? (this would allow me to avoid any student loans also) Or knock out school now (possibly in the 12 month program) and take out a 36,000 loan? Even children aside, would it be better to do a 12 month BSN program and be in debt 36K or wait another year and start an ADN program and not have to worry about loans. (Side note, I was able to pay for both undergrad and masters program without taking out loans - so I currently have none). Thoughts/ Opinions/ Personal experience would be much appreciated!!