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Listen to everyone saying option 3. Buy a cheap 240 or something and focus on paying down your debt.
As others have said, you'll get better payments when you come back and you'll have more options.
As an accountant, debt makes me cringe. Those of you saying stuff like "you'll always have debt" are approaching life with the wrong attitude.
The only debt you ever really NEED to have is a mortgage. Try to get to a point where you have little or no debt and you'll be richer than more than half of America.
Good luck!
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