I feel for you. I have to take out loans for my school - $19,000 per year for tuition alone. I am getting ready to leave my full-time career for this, and it's really scary, especially with knowing I have a mortgage,etc. I've almost used up my Stafford amounts from my first degree, so most of the loans are private. I will be taking out loans for living expenses too so I won't have to work full-time while I'm in school. I do plan on becoming a CNA this summer so I will work part-time while in school to help out a little. I did sit down when I decided to finally go back to school and figure out just about how in debt I will be once I get my RN, and I figured out approximately what the payments will be, etc. One thing I just keep reminding myself though is how much happier I will be. I am finally following my dream, and yes, it comes with debt, but I'm tired of just dreaming about becoming a nurse. For me, I knew it was now or never. I guess it's just better not to just think about the debt but the end result.