[Bill]

so say you'd need to get your hands on enough money (did you say you already had a 2nd mortgage? any more equity in the home/savings?) to replace 3 years worth of salary, and school would cost the equivalent of another 2 years salary. you'd need an amount equal to 5 times your current salary. When you're done, you make 3 times your current salary. even with interest and whatnot, you work 3 years and you're even again

ahha, I see what you're getting at and yeah, I already have a 2nd mortgage. from the addition. I have more equity in the house, probly enough to carry me for close to 3 years, but I don't want to tap out my house. hell I could graduate then fail the board exam 5 times in a row. what would I do then?