You are halfway through your master’s program and are really enjoying it. Although you don’t love the accumulating debt—especially while many of your friends are progressing further in their careers—you are learning a lot and making some really cool new friends.

You’ve started dating a guy named Silas from your Organizational Leadership class. He’s a little aloof, but he makes you laugh and he’s extremely sexy. You and Silas spend many evenings in his apartment, studying, debating, and having amazing sex. It’s not a bad lifestyle.

You had to quit your office manager job at the Seeing Eye nonprofit in order to go back to school full time. Although Stacey said she’d find a role for you there when you graduate, and you told her ...

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