Thank you all for the feedback. I got accepted into my program and I start in the fall. This topic has become a lot more serious.
To BTF:
I'll be on campus or at an unpaid field placement 8a-5p Mon-Fri (I might be able to work on weekends, but would like to study during the week)
The managers at my current job are willing to take me as a contractor during winter and fall breaks (as long as work is available)
I've signed up for Lyft (as a backup plan if my refrigerator runs empty)
To PsyDGrad90:
I'm 34 now and I'll just have finished paying off my undergraduate loans a month before grad school starts (haha)
I'm switching careers (tech/media -> Social Work) and I think I want to start this transition as quickly as possible
I'm not even hoping Loan Forgiveness, but thanks for bringing it up
I'm not so much worried about paying back loans or the relatively low pay in social work in the future (I've already accepted that), I'm just trying to not to add financial pressures during school (I just want to stay focused on my studies and field practicum)
To MarineBluePsy:
I'm already curtailing any unnecessary purchases (but how ascetic could I be?)
I still want health insurance, but that's going to be the biggest potential cost savings (but I want health insurance, haha)
And you're right...saving money is WAY easier than earning money
To Levon3:
I'm currently experimenting on affordable nutritious food
A lot of crock-pot meals with potatoes or other veggies (mainly for dinner)
Protein shakes for lunch (it's literally $0.80 per "lunch", but is soul-crushing)
A lot of tuna sandwiches
To JennyGoat:
Our boats might even be more similar
My family's not in a place to help (I'm not asking and they couldn't anyway); I'm on my own also.
I have one cat (I just got him last year), but he's been okay with affordable kibble and litter, so he's not that big of a burden. (I'm starting to appreciate this guy)
I'm 34 (younger, but had to deal with feeling that I was changing directions late and had to learn how to stop comparing my life stage with my friends)
I'm sorry to hear about your divorce and the hardships associated with it. If it helps sharing 'war stories', last year, I had what was most likely a nervous breakdown as a result of years of unresolved burnout. I'm in a much healthier place right now, and I'm way healthier in a lot of ways than I was before, but the breakdown itself was a costly and VERY humbling experience
This past weekend, I've been getting more confirmation that this program and this career path is the right thing for me at this time and that's been helping me worry less about the hardships to come.
I hope you can make your decisions (whatever it may be) with confidence knowing that it's getting you closer to your dream. Working in a field that lined up with my interests and values was something that I placed on the back-burner, because I saw financial security as being more important -- and it ultimately wore me out.
Good luck with everything and say hello to your cats for me.