I am in the same boat as you and have been trying to focus on minimizing my expenses (having my car paid off and being credit card debt free) because I know I will have to take out loans to survive. I was very strategic with where I chose to live because less money towards rent meant less money borrowed for it, if push comes to shove and I need to focus solely on school and clinicals. Are you living rent free or do you pay rent? If you pay, look at cheaper places maybe even renting a room?