I am in a similar situation! I have decided to turn down the ABSN program I got into because I can't take out a loan for 60K at this point. I have been warned by many that you should do your best to remain debt free. I think it is one of these situations where there is no perfect option and each choice has its ups and downs. I am sticking with a two year ASN program at a CC which is not my top choice since I have a BA, but money is always an issue. Of course some have told me to just pay the money and get my BSN but I know that for me, I am not comfortable being in debt like that. Some people have no problem just buckling down, working overtime and paying it off--I am not like that! So whatever makes sense for you will be best. Good luck!