Take Student loans (Financial AId). "The median income for a college grad aged 21-24 was $27,074, which compares to only $20,592 for someone who had some college education, but no degree—a 31.5% increase! Obviously, that extra seven thousand dollars in your pocket can go a long way to paying off loans. The interesting thing is that the split gets wider in terms of dollars as you grow older. People aged 35 to 44 with a college degree earned, on average, almost $14,000 more than people who hadn’t completely finished. Personally, losing out on that money every year for the rest of my life would make me lose more sleep than a $200 monthly loan payment for the next ten years.
So bite the bullet, get a loan, focus on school first, work when you can, and get to know as many faculty, deans and career advisors at your school as you can so they get to know how great you are and help you find the field you are really interested in. It is the best investment you’ll ever make and the successes you will find afterwards will more than pay for the loans."
From http://www.findmypath.com/work_vs_school/index.html.