<prompt> Human: Hello, currently I am in the process of applying to grad schools. However, Im a bit concerned about how Im going to pay for it all. I dont have much money saved up and dont work enough hours to save up a lot of money in a short timeunless I get a third job that pays really great. I live pretty frugally these days with my monthly budget being around 1200 a month and rent makes up more that half of that. But overall Im pretty poor and things arent going to change that soonI currently make around 22000 a year and what work I currently have will disappear as Id be moving for school.Loans are what I must do, but Im not sure sure I will get enough from FAFSA to make it work just off that. My two choice both cost around 32000 a year and FAFSA can only guarantee me around 20000 for school and I may not qualify for better loans. My credit is right non-existentthough I do plan to start building it soon, but Im just unsure if I will really be able to pay for everything even if I work during school and get scholarshipsboth programs may be able to give me up to a 10000 scholarship at most, but that isnt guaranteed even that still leaves a good amount of money left to pay, not including living expenses.I know I can somehow make it all work, but I just like some guidance on what I can do to pay for my schooling and at least plan well so I leave school better prepared to pay off any loans that Im going to have to pay offnot including the 25000 from undergrad I still have.TLDR Relatively low income person and low savings person is trying to get into grad school and doesnt know much about how to pay for it all. Needs help to make it all work.  <response>: If its a PhD program, if you dont get your costs covered by either a fellowship or a paid assistantship, consider it a rejection. 