I'm debating pretty heavily with myself whether to continue with my education. I really would like to but the main problem is my age and that fact that I'm a woman with a body clock to consider. It will have taken me 8 years to get my B.S. in Physics minoring in Mathematics in Spring 2013. I have worked two jobs to put myself through college and I only had time to take 6 hours a semester. I've got two years left on my undergrad and things are going AWESOME. I've got a paid research position (x-ray spectroscopy of SNRs at the University of Texas at Arlington) and I'm technically still a sophomore/junior. My GPA is above a 3.0 and I'm fairly confident my team and I can crank out a paper before I graduate. The problem is that I'm 24 now, and I'll be 26 when I graduate. My future fiancé (a Mechanical Engineering student at UTA, can't afford a ring yet lol) and I want a family and I am ready for a little stability without all these all-nighters. Would it be worth it to go ahead and jump into the work field sooner? I feel severely behind considering my circumstances, not to mention I'm terrified of debt from pursuing a masters or Ph.D. I'm squeaking out of my BS with about $20k in loans and even that frightens me.