[spendless]

You mentioned the school loan as "massive". Not sure how long you have to pay on it but I would consider formulating a pay back "plan" as soon as you can. That is, create a steady payment amount on a regular basis. You can have a 20 to 30 year mortgage....but you probably don't desire that long on a school loan. Just a thought...obviously I don't know all of the details. Good luck on the job change and relocation.