<prompt> Human: Hi all,Starting grad school in January, but havent figured out how I am going to pay for it. I am a 30 year old making 86k a year, 119k in 401, 6k in ira, 18k saved for house dow payment, 4k emergency fund. I found a grad school online that will only cost me 15k. Should I just ask my bank for a personal loan for grad school? Are there other options? I can almost pay for it out of pocket, but I would be stretching myself rather thin over then next 2 years. Thoughts?  <response>: Use the house down payment fund and wait until you replenish it to buy the house. 