It’s not the easiest decision. Regarding loans, repayment should stop once you go back. Regarding income, it’s hard at first. You might have to downsize, but al

It’s not the easiest decision. Regarding loans, repayment should stop once you go back. Regarding income, it’s hard at first. You might have to downsize, but also research cost of living. Depending on where you go to, it’s doable. Some universities have housing for people doing their PhDs and for families which is cheaper. Went (going?) through it. My wife is doing her PhD. From 2 really good incomes to one stipend. We don’t live in campus housing so it’s more expensive (savings helped here initially), but we do know of others there with their spouses and some even with kids that are doing good. I found a job after getting here which helped.