I am going to take out loans to pay for a grad program. I feel that it will be money well-spent. I say this because I really want to write. I have no debt now. But, I will after I enter grad school. Oh well. I am eking by as it is. I turned down the second job and plan to do without for a while. I'd rather do what I want. I'm so happy about the writing program. I do hope I get in.