I just wanted to add about the student loans...when I came in and as far as I am still aware, you can submit a waiver to pay back your student loans once you are no longer on active duty military status....that doesn't mean you get out of paying them, just means that while you are in service, they can be deffered {but alot of people go ahead and pay them off while they are in, but don't acrue any extra intrest in paying them back}...I would for sure check into this option and see if it is still the case....that would also help you make a decision...
just FYI, if your husband has a degree, DO NOT let him go in enlisted, no matter what branch of service he decides to choose