<p>I really feel for you, tkm. Maybe work for a couple of years and pay off some of the loans and then reapply after you get some experience in the workfield? A psych grad friend of mine U graduated with a bio degree and worked as a store retail manager for 10 years and he seems to be fine! He’s a bit older, but a lot wiser and was able to think over his decision about returning to school.</p>