When I first read this, I immediately thought, "I wouldn't recommend that you join the military," and my second thought was, "I can't really recommend that you get a PhD either."
On the whole, I think that this person should do two things: 1)consolidate their $50k in loans (good interest rates), 2)take a gap year (travel, work, lounge about). The long-term options will still be there in a year. There's no rush.
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