<prompt> Human: So, Im graduating in May with my BS, which is still sort of a long ways away, but I am already getting anxiety about what will happen money-wise once I graduate. Ill have about 13,000 in my college fund still, and Id like to go to grad school, but a lot of the programs I am thinking about applying to are around 2 years at 70,000term. Should I start thinking about getting student loans? Should I take a year off to try to build up my savings a little bit more? I currently make around 200 a week, but have almost no living expenses due to a scholarship that is covering my housing costs. I could probably stay at the same job but increase my hours to full-time once Ive graduated. Basically, I just dont want to spend the entire time I am in grad school worrying about how I am going to pay for it. I know its a little early to be thinking about it, but I would rather consider the debt before I take it on.  <response>: What would you study in grad school? There are actually only a few cases when paying your way through grad school is a good idea. For some areas of study, you would want to aim for guaranteed free tuition via TA or RA positions. Or you could get a job with tuition reimbursement benefits, and have your employer pay for your further education. 