u/New_Hunt4851

Tuition for 3 years is $200k. I have been lucky enough to save $250k in a HYSA making about 3.5% interest each month. My car payment is $700 (3% interest rate, remaining balance is $40k). If I pay off my car, I have only a bit leftover after paying for tuition. I was thinking about working part time, but I don't know if I can handle both the rigor of school and work. I am moving back to my parents' home to save on living costs. But I won't have much of an emergency fund and extra money for APEX, SEE, textbooks, etc. I was hoping to not have to take out student loans, but I stupidly got a car before I found out I got into school. I am working right now up until school starts to save a bit extra money and picking up shifts here and there. What should I do?

Grad school tuition for 3 years is $200k. I have been lucky enough to save $250k in a HYSA making about 3.5% interest each month. My car payment is $700 (3% interest rate, remaining balance $40k). Grad school loan caps per year is $20.5k per year. If I pay off my car, I have only a bit leftover after paying for tuition and I cannot work during school. I am moving back to my parents' home to save on living costs. But I won't have an emergency fund and no extra money for exams and the other "hidden costs" of grad school. What should I do?