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It's important to consider your income potential with government and non-profits vs. what you would get by switching jobs.

Example: Someone with $70,000 of loans (Assume both salaries are the same will year 7)

Person A starts out with a $40,000 a year job, and after 7 years at a govt agency, is promoted to manager at $60,000 a year.

Person B starts out at $40,000 a year but after 7 years of job hopping around, lands a job at $90,000 a year.

Once year 10 hits, person A will have potentially sacrificed $90,000 of extra income to get $70,000 (or probably less at that point) in loans forgiven.

This is a very general example, but generally speaking in GIS, govt salaries tend to have lower earning potential than private sector GIS, especially when you throw in ArcPy, DB work, and ArcServer.

Hello, once I wanted to get a bank loan in order to make a down payment on a house, but everyone refused me. So I decided to save up this money in cash. The information that I read at Credit Associates Review, where there is an article on various ways to save money for a down payment, helped me a lot in this.