This year has been a very bad financial year for us. And my husband (age 32) made the decision change careers go to school. With no previous schooling we have a long way to go. our income this year has been so bad that we can't afford to go to school. Unfortunately last year showed we did really good on our taxes so we can't get any grants. What options are there for student loans? I hate to go into debt, but we just can't find another way.