I'm kind of in a dilemma. I've been an LPN for about a year and a half and I've worked in a local jail 32 hours a week and work every other Saturday in a nursing home. I also had a factory job very part-time (maybe 6-8 hours a week), but recently lost it due to not being able to work more there. Now for the problem: I had deferred my students loans for 6 months to try to get caught up on bills. Guess what? They are now due again and I still can't afford to pay the bigger one (appr. $235/month) and I only paid down my credit cards by about $300 during that time and still owe quite a bit with min. payments at least as much as my loan. I really need at least 1 more day of work a week. It looks like it will be at least another year until I can get full-time at the jail as they can't afford to give me the hours now. I tried to pick up hours at the nursing home, but that is infrequent as I can only work certain days. Any ideas what I can do? I thought about deferring my loan again, but if you do that and don't pay much on it (int. is like $175/m), then the payment will go up 5-10/m when you resume payments. My home equity is almost maxed out and I don't want to use the credit cards anymore. I also need to find some money to replace my roof that went bad this winter. Insurance is paying a good chunk of it, but not all.Currently, I'm trying to find a PRN position, but know it will be hard to find one that will work around the 1-2 days a week I can work. I'm also looking for a FT position, but don't really want to work in a nursing home as hospitals rarely hire LPN's FT around here. I also thought about going back to school to get my RN as I could put my loans on forbearance I believe, but then I would have to borrow more money to go until the jail "hopefully" reimburses for the classes after they are completed, but they won't pay for book or gas and I really don't want to go through the whole clinical thing again. Plus it would take a good 2 years by the time you get on the list and take the couple or prereq's I have left. I know it would be easier if I hooked up with a lady I've been dating for a couple months, but its still too early for that and she lives a good 45 min. drive away, so that is'nt easy either and she has kids to think of too. As a last resort I thought of getting a part-time job at a fast food restaurant or deliver pizza like I did when I was getting my accounting degree. I just think its pretty bad that I have 2 associates degrees, an LPN license and you still may have to go work for min. wage to try to break even. Anyway, any advice?