I am 47 and wish to return to college. I already hold 2 B.S. degrees, and I've been told that this eliminates any federal grants for me. I have been trying to find a job that would help with tuition, but no luck so far. My husband doesn't make enough yet to afford my going back to school. We are unsure about taking on the HUGE sum that the school is saying we will owe, were we to take out student loans (approx. 75K after 3 years) Right now, that just seems like an insurmountable obstacle, and a giant debt load.

However, my desire to return to school and get the degree I've dreamed of for many years, is very deep. I just can't figure out how to pay for it. Each year of school would be about 25K. We barely make that in a year!

Has anyone had experience, or have any insights that would help me realize my dream? It could be many, many years before we would be able to comfortably afford this tuition, and by then, I would be too old to even get hired!