[ThisWillDestroyYou]

If option b doesn't yield more debt, I'd choose that. It's important to manage a social life outside of school, especially if you're in a relationship. In the grand scheme of things, taking half a year longer or so really won't matter in the scope of your lifetime. Take it from me: I'm 29 years old. I returned to school 2 years ago. I am recently married. I used to load up on courses, but I've decided to cut back on my semester so I can spend time with my wife, and enjoy my life. Yeah, it might not be the most ideal option since graduating sooner would be nice. But I'm glad I'm not overly stressed and have enough time to spend with my wife and work on her with her photography business.

Good luck.