I don't know a great deal about pay differentials between ADNs and BSNs, but my general understanding is that there is not a whole lot of difference. If money is a concern for you now, you can get your associate degree for now, get out in the field and start working, and then go back for your BSN. There are so many options now for continuing your education. So, so many! I started with my ADN, and now I'm at Metro State in an RN to MSN program, at the end of which I will be awarded with both BSN and MSN degrees. The options are limitless. Whatever you decide, just jump in and get started! One thing to consider is that some employers offer tuition reimbursement to their RNs. That's another thing to consider. If you're not already working in the field for an employer who offers this, why not get your ADN, and then when you continue for your BSN, have your employer help with tuition. Unfortunately with the economy as it is, employers are not paying out as much as they used to for tuition, but every little bit helps. There are also lots of scholarships, whether given by private entities or schools, that give money to currently-practicing RNs. My biggest piece of advice is just to tell you that there are always options for continuing your education. ADN is a perfectly good place to start, and as one of the previous posters already stated, whether you're an ADN or a BSN, everyone takes the same board exam. I got my ADN at Anoka-Ramsey, and I feel that I got top-notch education there. Good luck!