<prompt> Human: American Canadian here, dual citizen living ingoing to school in Canada with an extra year of unplanned school and no way to fund myself. The reason I say North America is that Ive lived in the good ol US of A for most of my life, only recently 4 years ago moving to northern climes for school. The whole 4 years of education seems to be much less common these days, although most parents seem to only save for 4 years;I know many people who are in similar situations. Loans are fine and all and most people will probably end up taking one out, but the job market being as it is, I believe many would benefit from some advice concerning other possibilities. Thanks guize.  <response>: Apply for smaller rather than larger ones. Most people arent willing to put in the work for the little ones so getting them is less competitive. Source: Canadian who paid for 4 years that way. 