yes im thinking about starting school once we go back to florida because i can use the federal pell grants and also because we are residents of florida, school will be cheaper. And i always wanted to take out loans but decided not to because dh and i are trying to get rid of debt because we already got over $20,000 in debt and thats credit card and cars. So since we are trying to get rid of that, im thinking of ways to do it without loans.