I can't help you with the florida information you need as I am in CRNA school in the northeast. However, I too have 40k in undergrad debt and have signed for an additional 100k for my grad school costs and living expenses, even after saving 20,000 to live on. It is possible, even with a child (even though I dont have one, but my friends in the program do). I'd say that the amount of money you and I will owe is on the upper end of what many people come out owing, atleast in my program, but there are also some people I know who will owe over 200k- so I keep thinking, it could be worse. IF you want the career as bad as it seems you do, it's a small price to pay for a lifetime of financial security and a better life for your family, as well as a very cool career. Good luck with the florida search for stipends- it seems there are less of these offers available these days, but they are still out there!