hahaha you first! No wait -- start by helping me out, then you can help her.
The thing that gets me (in addition to the grammar etc.) is the crap about not being able to get gov't loans because it's grad school. Uuuhhh hello?? Ever heard of the FAFSA and the $38,500 in subsidized and unsubsidized loans we get? To top it off the Hope "scholarship" is actually a tax credit applicable only during the first 2 years of higher ed. work. And speaking of taxes, she's got herself a 9 month old deduction!
Did you all see that you can make monthly payments of only $417/mo? WHAT A DEAL, BABY!!!!