Have you been having a mental wrestling match with yourself about whether or not to go back to school? If you’re over 30, have a family, and just aren’t sure is the timing is right to head back for a degree, here’s some help. Every decision is easier to make when you can look at some objective, clear-cut pros, and cons. It’s a good method of weighing the pluses and minuses and making a more informed decision. Here’s a shortlist to get you started.

You’re Smarter Now

Mid-career adults who return to complete a four-year degree or to get a graduate diploma often find the coursework easier. It’s not so much about brains as about emotional maturity, and understanding the value of education. Consider the fact that many university attendees are in their late teens and might not have the personal skills to study for long periods, choose courses carefully, focus on important concepts, and more. People who have been out of school a while, and perhaps are raising a family, have what it takes to truly hone in on their studies because they know what is at stake. Getting a diploma as a parent or over-30 single person can mean an instant promotion, more money, and a straight path to the top.

You Can Afford It

Getting an education loan from a private lender is a smart way to finish your degree without the financial burden that often comes with completing school. The same is true for adults who are raising families and who want to take on a graduate degree. Private lenders offer reasonable terms and competitive rates for mid-career folks headed back to campus.

It Can Boost Your Career

For working adults who are raising families, finishing a four-year course of study or acquiring a master’s degree can be the most effective way to enhance your career prospects. In fact, many businesses pay cash bonuses to mid-career employees who finish their schooling or add a master’s diploma to their résumé. Even for unemployed dads and moms who are taking advantage of the extra time to finish school, doing so can lead directly to a new job, new career, and fresh income opportunities.

You’ll Have to Re-Learn How to Study

Some, but not all, older adults have trouble adapting to the study routine that is typical for four-year and graduate programs. Fortunately, there’s a nice work-around for this challenge. Many adult-degree programs offer flexible scheduling and a fair amount of online coursework. That means you can learn and study at your own pace, without having to re-learn study skills.

Scheduling Can Be a Challenge

Lots of parents are already juggling jobs, kids, and other responsibilities, which can make scheduling a tough part of any new educational adventure. Again, there’s a way around this minor obstacle, and it’s planning. Plan your entire upcoming year on paper before starting school. Make room for classes, child care, job, and everything else. Creative scheduling can usually do the trick and get you started on the road to that diploma.

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