I agree with the above poster. It might be worth considering if this degree at this time and at this school will pay itself back, or if you'll be mortgaging your future for it. I was in a situation like yours before and ended up transferring schools, which was the best decision I could've made. But I have a few other suggestions to add: transfer schools after a year, see if there are any paid TA or admin positions available, consider working PT while in school, rent a shared room or a place further away, wait and apply again next year to more schools in cheaper cities, apply for outside scholarships, and consider the government loan forgiveness program for 10 years of non-profit work. Whatever you chose, I hope it works out for you.