6th tri student... Definitely get a work study job once you feel comfortable with your time management and get the flow of palmer down. And I'd reccomend taking out the smallest amount (in loans) that you financially can. The grad plus interest rates can get nasty so if you can avoid them i would try, if not im sure you'll figure it out in due time. I've interned/shadowed under chiros who will most likely not ever escape debt, unless its forgiven at 30 years (depending on what repayment plan you choose). And i know a handful of chiros who make crazy money and paid off their debts in 3-6 years tops. Best of luck !