My very first thought is if you're seriously looking at $140-150K to take on as ed debt for a public policy degree. Pause. You'll eventually take a class in cost benefit analysis and quickly realize what was likely a monumentally big over reach. As a policy student if you find yourself taking on much more than call it about 80K in total ed debt, reconsider your school choice and lifestyle spending choices, the post graduate salaries won't support much more than that for all but a very lucky few who end up in lobbying or moving pretty high up the chain at a big name consulting firm.