It is very much complicated to lead the life when the children are growing in their age and you are growing in your work experience and are getting tired of doing the job since a very long duration. There should be a solution for the upcoming needs of your family. While it is agreed that you need to support your children for getting better education it is also important that you stay in a beautiful and lovely house. Since you have the loans that are available for children education you could start planning to own a duplex house in which the upstairs could be occupied by your children and the ground floor could be used for your stay and for the guests.
By planning for a duplex house you would also ensure that kids are used to a better life style by which they learn the importance of settling well in life for which the education is the base. If you think you could not own a very big duplex house, you could also try to own duplex homes that meet your budget. Also, it depends on the furniture you want to have in your house after having it constructed. The decision you make to have a staircase or have a lift even for a duplex house would decide on the funds required for completing the house.
Every decision you make would either increase the cost or decrease the cost. Along with the cost the time taken for completing the house would also vary depending on the additional fittings and accessories that you plan for various rooms of the duplex house. So, sit with the experts know how each decision you make would impact the cost and then plan for a complete house design that could shape into the house that you could stay in.