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@thims You are shooting your self in the foot when going for the absolute lowest price. Catching up with salary takes years, if at all possible within that company. Prices in CH are stable, and so is salary. Think carefully before selling your self, are you not worth more? The budget is clearly...

@thims I seriously don’t understand you OP. You are worried about being underpaid, but on the other hand, you are going to ask for the low range salary?

@deborahs757 Seems unlikely, with 2 kids full time in the Kita, you would need to pay 35k per year. And to be honest, a 3 1/2 for 4 people may work with very small kids. Not for long though.

@cdward Easy. Put all your loans in an Excel sheet and order by interest rate descending. Then pay the first one, and so on. Google sheets may also work.