Go for your ADN! you can always bridge to BSN or even Master's. I am currently in my master's program and yes you are correct that undergraduate loans ONLY have a lifetime amount of 35000.00 and graduate loans up to 135000.00 I have almost hit my 35 in undergrad but thankfully now I am in my grad classes! It can be done. I don't know about NY but in VA if you already have a Bachelor's then they will consider you for jobs. Also, I know people are saying "There is no nursing shortage" and that "you will always be a bedside nurse" but this is NOT true!!!! There is so much you can do with a nursing degree. you can be a bedside nurse, teacher, you can be in management, Administrator, CEO, CNO, CFO, Director of admissions, DON, you can work for a lawyer, be a nurse consultant, do private duty, work for insurance companies, start your own business, and the list goes on and on! I think that is what is so rewarding about being a nurse is because there are so many opportunities and it's not all bed side nursing! Don't do your LPN it's just a waste of time in my opinion. I was a LPN for 6 years before I obtained my RN and I have been a RN for 2 years now and I felt like the experience was wonderful but there wasn't a way to further my career as an LPN and I wasted $20000.00 on that degree when I could have put it towards my RN. Go all the way to the top! You can do it!!! Even if you have to take out loans its ok! Many colleges and places have opportunities where you can work off your loans rather than paying them back and there are TONS of scholarships out there! I mean you can get a scholarship for being left handed, having a dog, having blue eyes, etc! There are tons of ways around loans so do not get discouraged and don't let money stand in the way of your dream! Just go for it and I promise you won't regret it!!!