LW1017

Hi, this is my first post and I hope you all can give me some good advice! I graduated with a B.A. in English in 2006, entered the corporate world, and am going back to school for a nursing degree (2 year very solid school/program) in January. Everything is lined up and I have been offered a fairly small federal loan from the school that will cover my tuition/fees. Here's my problem: I'm single - I own a house (mortgage is right at 1k/mo), have a car payment (getting rid of it is not an option, I owe more than the car is worth right now) and am 100% responsible for all my bills. I don't see a sugar daddy coming along any time soon and I need to figure out how I'm going to afford school. I do have a roommate, but that doesn't cover half of my expenses. I've been poking around on the site and seen several people mention grant money, etc. Unfortunately because of my income, I don't qualify for any kind of grants right now (that I'm aware of) - but how do people who plan to JUST go to school (maybe have a part time job) afford their living expenses?? Working FT at my current job is not an option. I'm starting to get extremely anxious over this. Is it uncommon for someone to take out some substantial loans for living expenses? Help help!