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[quote=Anonymous]OP here. Thank you everyone for all the different perspectives. This gives me much to think about especially the no loan advice. The state program is something I can pay out right but I  do worry about the necessary clinical internships that don't pay because of lost earnings.
 
I encounter social workers at my job and the private program graduates seem more on the ball but they have decades to pay their loans back. I don't .

The part time idea is an excellent one because what if I don't like it after all. Fewer sunk costs. The school part is a necessary evil for the career change. I think I will be ok with the younger students because I work fine with lots of younger  people and my boss is a number of years younger than I am and it's not an issue.

Interesting advice re the house. I bought it 20+ years ago in an area that was nothing to brag about but was fine. Now everyone assumes you have money if you live there. I never intended for it to be much of an  asset and although I'd sell it in a minute, I'd have to find something cheaper that made sense. It is the home where I raised my children so I didn't consider selling it until recently now that they're grown (ish) and out of the house.

Going to review my homeowners insurance though. I've paid the  same rates for years.

I want to thank the person who said my dreams should be over because it reminded me that they are not. That would be too depressing for anyone. I'm old but I'm not dead. Yet. [/quote]

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