My nephew is in the same situation. He went to Full Sail several years ago for one semester, but it was very expensive. Now Sallie Mae are constantly harassing him. He went on to a different college and grad school and is working now but still unable to pay off the debt - he has to live, too. I'm a stay-at-home mom and have considered going back to school or part-time job, and I'm going with the job. School would just be another bill we'd have to pay. We are already barely getting by with nothing in the bank and just surviving on my husband's weekly paycheck week to week. After 11 years of marriage, we still have nothing.