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[quote=Anonymous]I posted earlier and was sympathetic.... I still am since I believe NO ONE should have the option to take out $180K worth of loans, much less $370K for a couple.

But reading your later comments and your "outing" yourself, I kind of think you are a drama queen and you need to grow up.  You've had more advantages than many.  You need to do what MANY people are doing- document review, and as much OT as possible.  And get a relative to come live with you (a grandparent) to help with childcare.  Live in a cheap apartment and do free things with the family for fun.  And chip away at the loans so that you can have a future.  You could be making $80-90K doing document review, so $145-155K income between you- that can chip away at the loans, absolutely.

Also, not only is it irresponsible to rack up $370K in school loans... it is also irresponsible to have two children when you hadn't thought through the financial consequences.

I'm another law school grad not too much older than you (born 1982)-- I have several friends who are putting off having children due to debt issues.  I am thankful to have gotten through law school without soul-sucking debt (though I've had other crosses to bear in my life)--- but I want to be better situated financially and career-wise before having kids.  I've looked at daycare and preschool costs, and they can easily exceed $1200-1300/month.  DH and I are inclined to think we'd want a child to be in kindergarten (so no more daycare bills) before considering having a second child, and we're thinking maybe just one, and maybe adopt (from the US) a couple years later.

One of my co-worker went to law school later, and is now 34 going on 35, and says she can't even think of having kids due to high private loans for herself and her husband.  We are federal government attorneys.

Not to beat you up too much, and children are certainly more important than anything else in this world but--- yes, I do think it is irresponsible to have two kids (not just one, even), without being able to bear the expenses.  Many people are paying on their loans, and/or delaying having a baby (much less two babies), until they can afford to meet their obligations.[/quote]

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