I agree, this seems too high, and other options sound good. One thing I would advise in your decision making. If you want to advance in your career, or someday leave bedside nursing, your BSN will open doors you may not be thinking of now. I never thought I would want to leave hospital nursing, but after 15 years of ICU I was tired of heartbreak, shift work, holidays and was developing back pain. I know this sounds whiny now, but I ended up monitoring drug studies for a major drug company. More money, better benefits, better pension, and a job I really enjoyed. Jobs I didn't know existed when was a young grad.