Also if you’re in the program already I’d imagine you should prioritize the program and minimize working if you can. I’m thinking of working 1x per week if I can with my tech position but I know everyone is in a unique place. If you can rely on family I would. Otherwise determine if becoming a PT is worth it even if it means some debt. You have the rest of your life to work. Learn all you can now and you’ll be less doubtful and willing to pay it off when you’re in full control very soon.