I think I would stay with my job and pay down my debt. During that time, I think I would do a little research; find out how many professional long-armers were working in my area and perhaps talk to some of them about whether they stay 100 percent committed. Sometimes, people are willing to "farm out" certain jobs if they are overbooked if they know someone is doing part time work and is good and reliable. You could also use the time to do some careful financial planning--how much do you need to earn. How much can the local market support as a charge rate (What's everyone else charging?) How many quilts a week would you need to finish to make your needed profit? Are you, and be honest with yourself, able to churn out that many quilts, week after week, month after month and do a top notch job on all of them? Whatever you decide to do, the very best of luck to you.