I was lucky, Dogmama. I did take out a 60K loan, even though I didn't have to; my choice was take the loan out and not cut my lifestyle, or take the loan and pay it back quickly. And, I waited to change careers until we could afford it with no drastic changes. DH makes a very,very good salary and bonuses, so the loan will be paid off in February. I don't know how others do it, as I am making doo-doo money now. Yes, the difference in social work and counseling is how you get those hours. I need 3,600 hours after my degree, but at least I am getting paid! I also had internship requirements, which I got credits for. Only one is required, but I did 2 internships, as I felt as a career changer, I needed as much experience as I could get. I was employed within a month of graduation. I am glad I went to Lesley University, as I see the differences in those who went to other schools.
Taking out loans and going to private colleges is par for the course here. Not so, in AZ. Hey, when I went to ASU, I paid 340 dollars a year...