Dear Readers,
Any genuine suggestions would be highly appreciated...
I am in my OPT now which runs until June 31 2007. I graduated this june with a degree in Math education. Because I haven't completed all of the education requirements, I am not eligible to teach full time in the classroom. Now, I am thinking to go to graduate school in Math education. However, I don't have money but my relatives are willing to lend me money for now. I am not sure what would be the right thing to do. Should I work(unskilled) for a year, make some money and go back to graduate school? Or, should I start graduate school even though that means taking loans? Just to let you know, I already have few thousands debts in credit card and good will.
Thank you so much in advance.

I suggest you take on the loans. If you go to work now, you will make only about $7 per hours, am I right? If you work for one year, you can earn possibly enough money to get you buy, but if you go to school now, you will graduate a year early and during that extra year you will earn much more than $7 per hour, right? Assuming you only make $14 dollars an hour after you graduate, that is still double than what you can make if you work now. That should more than make up for the interest on the loan.

Take the loan from relatives and finish the grad school and then get job in your field.