You are way too early in the process to start worrying about the transition to 121/135. UND is a great place to prepare yourself to eventually make the transition. If you put in the time and effort while you are there the transition will be a very smooth one. Concentrate on what you are doing now and don't let worries about the future distract from your focus. Financially it will suck for the first couple years, but just keep your spending as low as possible and you will be fine. As far as paying back the loans, they have many different options to help you. I deferred mine as long as I could and then made payments based on income. Now I am making good money and I have no problem affording them. As far as moving bases, I would say you should stay wherever you are from and commute until you figure out where you want to be based and settle down long term. I would definitely not be trying to move every time you change bases. Hope that helps. Good luck and GO SIOUX!!