I am finishing up my first year (pre-reqs) at NYU and am starting to cringe at the debt I am accruing. When I chose to go, it was the only school that had accepted me and was my *dream* school so I decided to take the plunge. I had a partial scholarship for the first year but was not able to get any funding for my next year. I had applied to other schools for the fall but did not get into a single one! My question is, should I take a year off and work, apply to schools for next year and hope that I can get in amidst the fierce competition? OR should I just bite the bullet and finish out the NYU program and accept my debt? I know that I may be able to do the Public Service Loan forgiveness program but I am not certain if all of my loans will qualify.