<prompt> Human: Suffered a work force reduction recently. Got a severance package and when combined with my emergency fund gives me about 10K in the bank. Going back to get my partially finished associates degree in Electrical Engineering and maybe pick up an a two year CS degree while I am there. I feel these are relevant degrees that will provide a means to improve my future. School is 31 miles one way.I own my home and 2 vehicles. No credit card debt and a credit score of 752. No kids or family. The only loan debt I have is a 200 a month payment on a small tractor to maintain the property and it is in good standingcurrent. At this point I have no job, am registered for unemployment from the state, working with some programs to get funding for people in my position, am chasing other public grant money on my own, and have just received notice that my FASFA has been processed by the local community college. They are figuring what government grants may be applied yet.Monthly costs: Electric - 60 Car insurance - 80 Food - 125 Internet - 60 Cell - 110 Working on paying off the contract Fuel Allocated 80 as I my last job was work from home - figuring 18-20 mpg Property tax - 41 Tractor Loan - 200This totals 756.00 for ideal monthly operating costs. School tuition for 2 full years is roughly 16,000. The actual number for me is a bit fuzzy still since I have already done a large number of courses for the engineering degree and many of them will transfer to the CS degree as well. Still working out the details with my advisers.I live frugally already but in crunching the numbers I will have to get student loans to cover some of this. I want to go full time as a student at least for the first semester. If I feel it is manageable, Ill pick up a job for the following semesters.Being nearly debt free for so long has made me very averse to racking up any debt. Reading though the horror stories I am very concerned about falling into the debt trap. Shooting from the hip I would guess that without working and with no grants I will potentially require 20-25K to pay for everything over the two years. I realize this is likely less than most car payments but would like any input you may be able to provide. Is this doable?  <response>: If you havent already, completing the FAFSA will provide you the opportunity to apply for grants. There used to be quite a few for olderstudents. You dont have to take loans, but dont miss out on free money. 