I work full time, and applied for Pell, and got the maximum $5,500 for Fall and Spring. I am lucky to have a college locally that only charges 1900 for 14 credits, so I will actually have money left over for books. I also took out a loan just in case I need it, but I doubt that I will use it as I work full time, and can pay my bills already on my pay and my husbands pay. I also found classes at 5:15 pm and some online courses, so I can keep my job for at least another 2 years until I start my clinicals. THEN I will need the loans as I cant work full time with Clinicals.