I also am a mom of three, struggling to make it thru school. I am getting financial aid, but since I don't work FT, I am getting some loan money to help out with expenses. Every semester though, I cringe at the thought of those loans racking up. But I know it's an evil necessity if I ever want to get thru school. Does anyone wish they hadn't gotten that "extra" money because they are so boggled down with loans now? I just don't know of any other way.