I am appalled at the responses here, I have $100k in debt for my BSN and I'm adding an additional $30k for my MSN. Why so much? Because when you live with your family in an urban area where the schools are all so impacted by foreigners and you get put on wait lists of 4 years, and then you start core and have to repeat your core sciences because they expire in 5 years, and those classes are all impacted so you have to wait and re-apply. The situation isn't ideal, which is why all of these private schools have opened up that offer no waiting and accelerated programs. Why am I upset? Because the OP was asking for help, not be told they are a fool for incurring debt. We don't know the reason why they chose the schools they did. I thought as nurses we are to assess first, isn't there something in the code about beneficence? I'm sure not seeing it here in a lot of these posts. When I graduate, I can easily make $80-100k a year, isn't it better to take on that debt than to sit around waiting for a program to open up? Regardless, a lot of people incur huge debt for school. It's all over the news, it's even a part of political platforms. Criticizing someone for a decision made in the past is not helping them, it's going to prevent them from seeking help in the future.