I have no other debt. I rent at a measly $500 per month and have no car payment. I did not qualify for anything but loans while in school even with being a single parent, single income household. I am paying on my current loans and still want to go to grad school as doing so will almost quadruple my income. I plan to pay for the bulk of it out of pocket, but I am still interested in loans to help offset some of the cost.