Everyone has given you such good advice! I started my prerequisites with $50,000 in debt combined with my husband. This was previous student loans, credit cards, and an auto title loan at 60% interst if you can even believe that! We have two small children not yet in school so we work opposite shifts him as an EMT and me as a hairstylist. Over the course of three years we've eliminated $33,000 in debt. We have had to make sacrifices! No Disneyland, no fancy vacations, we share a vehicle that has no air conditioning (in Arizona!), and the list goes on. We are striving for a better future not only for ourselves but for our children as well. We are trying to break the cycle of living paycheck to paycheck and letting our finances own us. I know you are excited to start nursing school but you Wouldn't want to be working all those hard shifts as a nurse and giving all your money away to your debt payments.. I have it worked out so I will have the remainder of our debt paid off and will use grants for nursing school and cash flow the rest. We will be debt free when I graduate. I wish you the best of luck and I can tell you from personal experience that debt payments are crippling, especially when trying to start a family, buy a house, or just enjoy your life!