Hey, maybe you can use the GI Bill now. They switched that policy about five mintues before I graduated with a mountain of student loans. Of course! I'm kind of in the same boat as you though...or at least in the same boat that you were in when the kids were younger. I'm not sure it's all that realistic to work outside the home when you have four little kids and a husband in the military. I've got the degree now, but I still think I am settling down into a nice long stint as a stay at home mom. Even when kids start school they need someone to help them with homework, take them to the doctor's office, and drive them to their activities. And it's not usually going to be the parent who is on active duty either.