<prompt> Human: I am a young professional and have had an unconventional school path due to having to work since getting out of HS. I have completed an AA program and only need to attend Uni for 1.5-2 years to get my BA. Im wondering, does it make more financial sense to pay for it straight out of pocket or to use subsidized loans? I do currently have about 5k in student debt from my previous schooling. I make about 2,600month- rent, car, and misc. tend to be a whole paycheck and Im now usually able to bank 1kmonth, only at 3k in savings now. Tuition for full time is up to 2k per quarter. Thanks!  <response>: Its a really good idea to hold the savings you have for an emergency and possibly take the small loans until you finish school and are comfortable to pay them off in bulk while only paying a small amount of interest. If you have the self control which you seem to you can use this as a small form of insurance. 