<prompt> Human: My school will cost about 40K for the first year alone. I have 20k in a 401k that I am not touching, and 10k in checking and savings. I plan to study speech and language pathology, and am hoping to be able to work about 15-20 hours a week. However, this program is notoriously demanding, and I am not even sure if I can do that. I am starting to panic. I am not exactly a finance wizard, and I am starting to wonder if I will garner an overwhelming amount of debt through this program. It has been my dream for years...but I have no idea how to make this affordable. Any ideas?  <response>: Wait one year, apply again. In the mean timeCall admissions and tell them you arent coming due to financial office not recognizing your permanent local address. 