I think every situation is different, and it depends on how much you can handle. Personally, I could never work full time during school. I also have 2 kids, a husband, and a house to take care of. I work around 17 hours a week at a catalog call center, so I can read through my notes and study some during work, that helps.
I understand not wanting to graduate into debt, but a little debt is a small price to pay to get finished. Have you looked into what you will qualify for as far as financial aid goes? I get grants, which I don't have to pay back, a scholarship, and student loans. If you are lucky enough to qualify for a "Subsidized" Stafford Loan, that means the gov't pays the interest on the loan while you are in school. Even when you graduate, the interest rate is considerably lower than a traditional loan. I don't know if you would have this option where you live, but around here, there are many hospitals that will pay off your loans if you agree to work for them for a set number of years (usually 3-5). That is a good deal if it is a place you would want to work anyway.
I know it is difficult to take on debt if you don't want to, but think of it this way: would you rather graduate with some debt or flunk out of school b/c you couldn't balance the workload w/ the studies? I am only in my 4th week, and the studies are very time consuming already. I can't imagine what the next 18 months will bring me!! Good luck w/ your decision and w/ school.