I was so glad to find this thread! I'm 36 - will be 37 starting school next fall - single w/out kids, but still nervous about school (and the debt that goes with it) at my age - I just keep reminding myself that ten years from now I'll be glad to have the degree. I'm in NYC too (going to NYU) - so are most of you working while going to school? I've had a great job the past few years, but its in the evenings - I thought "swell, it has some down time so I can go to school during the day and study at night" - turns out classes are at night - hoping something will work out - maybe I can arrange my classes for a few days/week and do the job a few days/week, but there's a good chance I'll have to leave the job. How are ya'll planning on swinging it financially? Will you just be going to school or trying to work some too? I'm so excited for my program, but nervous about how I'm going to pay the bills.