we're debating semantics, but your optimal 37,800$ is pretty tight to 45k take-home. You leave out that 60k job requires a certain dress code, and chance cost of living expenses, etc. It would be tight.
I'll balk at your comment about 1000$ a month repayment and say I'll have paid back somewhere in the range of 120k in 6 years. Most of the kids I went to school with are doing very well and I'd exclude myself and them from this discussion.
Last edited by deerebowtie; April 10th, 2013 at 12:45 PM.