<prompt> Human: I want to go back to grad school for a Master of Social Work. May 2015, I graduated from a small, private school with a BA in Psychology with Honors. I have 27k of federal student loan debt. Over the summer I lived at home NJ and had an unpaid grant writing internship for an LGBT organization. Right now I am working at an LGBT youth homelessness organization as part of a low-paid year of service in GA. I love social service and want to continue my education. I am interested in eventually qualifying for Public Service Loan Forgiveness I cannot currently qualify right now because of how I am technically not a full time employee and Income Based Repayment.How should I plan for graduate school? Should I wait another year, establish residency in GA, and go for an MSW here? Should I move back to NJ, benefit from in-state tuition, and complete a program there? Or should I apply to prestigious out-of-state schools and not care about the cost, keeping in mind my desire to do the public service loan forgiveness and income based repayment plan? Should I crunch to apply now or wait until next year?  <response>: MSW prestige is pointless. Go as cheaply as you can in the state you want to practice in. Do not depend on public service forgiveness as these jobs are becoming harder and harder to get, and the likelihood of lasting 10 years in one is low.Keep in mind this is mostly not a financial decision, as you should not get an MSW for financial reasons. 