<prompt> Human: So up until our son was born, we havent needed any financial help since my tuition was paid for and my wife was working full-time. When our son was born, my wife quit her job and a couple months later, our son was diagnosed with Neuroblastoma for those wondering, this is a very good cancer to get if you get cancer. Survival rates for infants are above 95. So, as you may have guessed, weve gotten a lot of medical bills as weve put our son through chemotherapy these past 2 months. Were almost finished with treatment and hes doing well, but we dont really have a way to pay our medical bills right now. Im in my last year as a graduated student in electrical engineering, so once I get a job, Ill make enough money to pay for this treatment, but this last year of school is where were unsure of what to do. I have tuition paid for and a very small stipend I get as a research assistant, but thats barely enough to pay rent and living costs for my family. My wife doesnt really want to go back to work since shes so worried about the baby, but can if there are no other options. I talked with my parents about it and they mentioned applying for a FAFSA student loan to give us the needed capital to pay the bills. I applied for one and got a direct unsubsidized loan offered. The amount offered the first semester isnt much more than what we owe already. The interest rate is 6.6 and begins as soon as I take the loan and I dont have a lot of experience in finance up until this point so I dont know how good of a loan this is. Should I take this loan? Are there other loan options that could be better for me? Are there any other avenues available that I might not know about?  <response>: See if you qualify for Medicaid based on your current income levels. Medicare is retroactive with children up to a couple months from the date of application. Talking to the hospital social workfinance office may help further. I wish you all the best! 