Unfortunately I am kinda one of those people who are impatient and want everything And some of you know that it is my ultimate dream to have a total career change and become a midwife. In fact my desire to bcome a midwife is equally as strong as my desire to have another baby - and that's pretty strong. But the simple truth is there is no way we could survive on DH's income alone for 3 years and we couldn't even survive if I juggled Uni and a casual job (I work fulltime atm) So the only solution I can see is if when the time comes to start my degree (hopefully 2011 after another bub) we were to borrow an extra $60K from our home loan (luckily we had a biggish deposit and should have the capacity to do this) and then we could afford for me to do full-time uni and afford to live. I know it's not ideal to borrow even more money off those bastardo banks but I see it as an investment in my education and happiness. Plus once I am a registered midwife and work for QLD health I would be eligible to salary sacrifice the mortgage and therefore be able to pay the extra tax savings back into the mortgage to sort of make up for the extra we borrowed IYKWIM.

What do you think???