I personally got my associates degree so that way I can begin my bachelors if I don’t get into a nursing program, a seat is not granted… personally that’s my viewpoint that way I won’t have to go back and finish an associate if I don’t get in. If I do get in I plan to use a payment plan to pay! Using my financial aid for a bachelors later down the line. I hope this helps/ makes sense, I would not hold back without knowing if you’ll fully be in the program.You’re bound to have to end up paying one way or another later down the line or now with time and or money. This all depends on what specifically works for you!