Please I need some helpful advice. I made a terrible mistake during my second year in undergrad and took out an auto loan of $12,000 with a 72 month term. I am currently a senior and I have made almost two years in payments with about 4 more years to go. My intention after college is to enroll in a masters of medical science prior to medical school. Based on my situation, I have the following questions: 1. Would I have time to work while pursuing an MMS degree to pay off my loans? 2. Is there a way I apply loan deferment towards my auto loan? You might suggest that I just get a job after college, but I would be even in more problems because I have to start paying my school loans. I am solely responsible for my finances as I come from a lower class family. So please advice me accordingly. Your responses are highly appreciated.