I am in a similar situation. I am working full time right now to pay for part time evening classes, but I eventually hope to have one big year of full time science courses before taking the MCAT and applying. So just to clarify--even if you already have a degree, if you enroll in a 4-year degree program you can still receive financial aid/federal loans? I have also heard about that 1-year ~$12k limit for post graduates who have to take classes for admission to a graduate program.