A high school friend of my wife (she's way younger than me) decided at 40 years old that he was going no where and his love of fine motorcars would have to be shelved unless he found a better income. So he went to school. Now he his happily married, has his degree (he's an eyeball doctor) and he is $1,300,000 in debt. Is that the way it's supposed to work? Anyhow, he's got the income. If he can just outlive the debt!