I'm 27 and I'm over my career (5 or so years in). I'm bored and unmotivated by the type of work I do (white collar cubicle job). I'm considering going back to uni for what would potentially be another 4 years of full time on-campus study to establish what I think would be a better suited career. However I have $400k of PPOR debt. And the prospect of four whole years of practically going backwards financially feels awful (never mind the extra HECS debt). The other alternative I considered was doing a bunch of tickets and working a labour job somewhere for a quick transition into something different. To anyone that has faced a similar hurdle in their lifetime, how do you approach such a large decision? Can anyone provide some perspective because right now all I see is four years of poverty/part-time work/exams/no fun vs. current job which is unfulfilling but steady income and capacity to enjoy myself once in a while.