"Ten years from now" was poor wording on my behalf - what I meant was I could definitely see myself getting married, starting/raising a family, and working there after graduate school, wherever I go. Like I said previously I plan to pursue a career in social policy and I have already determined that I'll return to the South after obtaining my degree. The question is, is taking out a loan to stay in the South for graduate school (to make connections, integrate myself into the community, etc.) worth it?