Hi Veronda--I'm a nursing student, and I too am a ways away from work! But I see you're an intern, hopefully that can help with income. I was self-pay and banded on 9/11...I've never spent this much on anything before (except for school, lol) but I figure my health is SO worth it. I'm 27, and I don't want to become diabetic, have cancer, need joint replacements, etc...so I just went ahead and did it. I will be able to pay it off as I'll make a good salary as a nurse practitioner in a couple of years, and you'll do great as a pharmacist. I'd say go for it, but do whatever your gut says to do. sammysue78, seattle, wa