Take your time; you're young. I'm nearing 56 and after completing graduate school and embarking on a career - which I loved - I started a business to get out from under mammoth student loan debt. And though I did that, I'm now so deeply entrenched in a business that I cannot get out of it. My point is, the loans and debt were worth it. All of the "stuff" and "things" are something that I can do without. Re-invent yourself now - because it's a whole lot harder at 56...