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2010 - that's a LONG time from now, particularly if you aren't comfortable with your living situation. In your shoes, I'd be pretty tempted to get the loan, go full-time, and have that as your plan to work on getting your own place. The other options I can think of might mean that it would take even longer to finish school - if that's OK with you, you could work full-time and take 1 class at a time so you could have your own place. That can be tough, but a some people do it that way.
 
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