I can understand, I' m already $30,000 in debt from my first degree. Just an FYI, word is going around that they are getting rid of LPN and pushing them to get their BSN. They are trying to make BSN the entry level position. You can work at the hospital after your first semester. You are young, don't worry about the finances, a lot of hospitals have repayment plans, also go to the Sallie Mae site and sign up with UPromise and get your friends and family to link to your account. Once you become a nurse you can work OT to pay off your loan. Don't let your finances be the reason for you taking the shorter route. Also since you don't have a degree you might be able to get a grant.