My husband and I would like to have kids, but I don't know when.

I'm working on my master's degree right now, and I won't be done for another 2 years or so...then hopefully I will find gainful employment. It's a hard decision to make, when to have children. I would love to be able to stay home for the first few years but I will also have student loans, etc, to pay off by then which would make it hard not to have a job!

What did you do? How did you decide?