Graduate School Loan ?

Look into a graduate program with an assistantship. That is what I did . . . they paid for my tuition AND paid me a monthly stipend.

If you need a masters go ahead and get it now. . . get loans and go. I would recommend at least having a job while you are in school, but don't work too hard.

Have you thought about trading in your car for something less expensive. . . though could really cut out a big part of your debt!!!!

Good luck!!!!!!

I'm pretty impressed that you have a second bachelor's degree already at 20.

1) I'd look into selling the car. Could you get around on public transportation? Would you actually loose money if you sold it?

2) Secure good paying summer employment and part-time employment. Whatever it is just do it to pay the bills. Waitressing, working OT somewhere like an amusement park, nursing care, substitute teaching just something that will work with a school schedule. (Don't do anything like pole dancing if you want to work for the school system. Too much talk!)

3.) Complete your 2007 FAFSA. As a grad student, you are able to take out more federal loans than any other group. Depending on how expensive your college is, this may cover it entirely.

4) Look into being a resident advisor on campus...free room and board plus a stipend. Renting a storage facility would cost less than your light bill, I bet. As a grad student, you might qualify for being in an apartment, too. Explore your options early .. like now!

If you are a graduate student going to school at least half-time each semester, you will be eligible for additional Stafford loans of up to $20,500 per academic year. Stafford loans are not credit-based. As long as you attend at least half-time, are not in default on a student loan, and your costs are high enough, you should be able to borrow enough to live on (maybe not well, however). You could definitely work. Unfortunately many types of aid are not available to graduate students. :( Also, new this year is the Graduate PLUS loan. If you run out of Stafford loan (difficult to do), you could take out a PLUS loan which is credit-based. Only take out what you need, work, and look into scholarships your school offers (some scholarships are offered to anyone with a pulse).

sorry GO TO WORK.

pay ur bills down if not off.

get 2 or 3 jobs. budget.

live like starving artists , in two year u are near free. third yr u got cash to go back to school and pay for it.

OR go into Debt Slavery u'll just pay for the next ten - fifteen yrs .

visit dave ramsey.com u will have some hard lessons coming ur way if u don't.