Previously, you mentioned that you are a poli sci grad student. My question is this: Why on earth are you going into so much debt? How much do you expect to earn? Do you know how many ridiculous people I've seen, going into huge amounts of debt for a degree which will do little to increase their earnings, who then cry and whine about how unfair!! life is?
Who else should be paying for YOUR education and YOUR health insurance, but you? Should I be responsible for it? I have two children to feed, clothe, house and pay medical bills for. You chose to go back to school. I'm sure you knew how much it would cost. I LOVE freedom of choice. Just don't make ME pay for your choices.
I would wonder about that too --- $20,000 a year tuition if you have to go into debt for it is extravagant. That would mean you'd be $80,000 in debt in 4 years, unless the degree gets you $100,000 a year right off the bat, it would be better to look around for a more affordable university.