As a warning, this might be long-winded.
Currently, I'm a doula and childbirth educator and also own an online midwifery supplies business. I have an almost 3 year old and a 5 year old (and a husband who really would love another baby). I also have over 100k in undergraduate debt from my psychology degree (YES... biggest mistake of my life). Right now, I'm not making much of anything in terms of money and just paying interest on my loan. We struggle to make it every month and our situation is completely overwhelming.
That being said, I want to be a midwife. I've contemplated both CPM and CNM routes and have decided that overall, I think a CNM degree would be better suited for me as in I could work in both settings but potentially make good money in the hospital for while to take a hit at the student loans. However, I would need to do a masters entry program in nursing (18 months) and then a post masters certificate in midwifery (18 months- 2 years?). Total cost would be over 60k most likely but I'm hoping that it would be something I could pay off with HRSA scholarships (working in a low income area)...
My biggest question is when. I love being home with my kids but the financial situation is making me incredibly anxious to get a point where I have a reliable salary. The fact that my husband (and me too..) would love another baby complicates things. Should I attempt an intensive nursing program while I have two little ones? Should I wait until I know we are done and the last baby is in school?
Such huge questions... I'm not sure what to do. I certainly cannot pay off my debt with doula work. Overwhelmed with it all.
thanks in advance.