Depends where you are going to school Community college or University BSN? I qualified for pell grants which covered all my courses at the community college I am attending. I start clinicals in the fall (2015), I did however still have to take out loans to cover my car payments and some rent money as well. I worked 25 hours a week last year while I was taking pre recs anatomy I + II, dosage, pych, ect.. So I borrowed 2,000$ to cover bills, it was very tough working and still maintaining good grades buttt i did not want to borrow a ton of money since at that point I was still trying to get into the nursing program and didnt want to put myself in the hole if I didnt end up getting in. This year I worked a bit less around 15 hours a week and borrowed more to cover bills (5,000), while in clinicals I plan on borrowing whatever I need to get by. But being in community college its ok I will end up with 20,000 in school loans at the end Plus the 20,000 I borrowed for my first degree, so 40,000. Not to bad I mean paying it back over the next ten years probably around 500 a month. Could be alot worse and at least ill be making a better wage as an RN than if I didn't go back to school.