Hi, I am in the same boat. I am in my first semester of prereq's an work FT. However, when it comes time to take my clinicals, I am hoping to have all my debt paid off so that my husband can be the primary provider and I can concentrate on clinicals....we are set up on monthly payment plans for our debt.....and my prereq's will end about the same time the debt is paid off. If I have to, I could work pt...waitressing or something. The main thing for me is checks and balances. If I p/up in one area, something else has to lessen. So, I'm setting it up financially so that in the future, school increases while work decreases....better work than my family suffering!