<prompt> Human: I have been taking prerequisite classes to qualify for a program. I have just finished and I am currently on a 2 year waitlist for a radiologic technologist program at a technical college. The program is another 2 years, in which I will not be able to work full time. I talked to my advisor about my financial worries and she suggested spending the next 2 years that I am waitlisted saving up money to be able to afford living off of a part time job. But I will be getting in more student loan debt when I get in the program. I am 25, with about 50,000 in debt Credit cards, car, hospital bills already I wasnt very responsible with credit around 18-20 and I have 2 children to support. My SO and I are currently living with my family in a small home and are trying to save to move out. I am not sure if it would be smart of me to mess up my familys financial situation even further. I currently work full time 40 hours per week, making 17.55 per hour. This is pretty decent money but I work in the paper industry and Im not sure how long the plant will be open. What I am asking is would it be smart to attempt to save andor pay off debt or just not get into this program when the time comes. I know that I have plenty of time to think about it, but if I decide a different route, Id like to go ahead and get a jump start on that. Thank you all in advance!EDIT: further clarification.  <response>: As has already been stated, 29,000 for a car on that salary is bonkers. Sell it, pay off whatever you owe, and move on. You can get a very reliable 2010 Honda Civic for less than 10,000. Since youre so leveraged right now, I would consider going into the 4000-6000 range on a car.Pay off your high interest credit cards first. As for the hospital bills, you can usually negotiate a reduction in the bills after several months have passed and get on a payment plan. If the hospital is unwilling to reduce the bill, sometimes its better to just let it go to collections where you can typically negotiate around 12 off the bill, since at that point they really just want to collect anything, and theyve already purchased the liability at a reduced amount.I make pretty good money and have excellent credit, but I had an extremely unreasonable emergency room bill 5000 for 5 minutes of doctor time that I attempted to negotiate ad nauseum with the hospital to no avail. I waited for it to go to collections and negotiated it down 75 before ultimately paying, and it never hit my credit report. 