To all of those that have been throught is my situation. The program that I'm starting in June COA is around 40k a year. Throught the federal financial aid system I have become eligble for that amount of money for this and next year. It is a three year program. I also have signed a contract with my facility, paying all costs and a stipend. All told my wife and I have about 30k in total debt. With the program being paid for by my facilty, would you go ahead and take all the loans essentially consolidating all the old and high intrest debt down to lower more current lender? Pros and Cons?