BhaskarNJ, not everyone is as bright as u 2 b awarded scholorships or assistantship. if u r in US... u know by now that everyone.. including foreigners or resident.. all pay for their education...[ either now or later ] ... except if u r amongst those who got a free ride.... So coming after MASTERS or BACHELORS does not SOLVE the PROBLEM.. ... . but its a fact.. if u r here for bachelors then u r here for @ least 4 years of laborous life...... . Let me put it to u... although it is hectic or stressful.. ppl have done very well.. and its all about managing.. ITS NOT ABOUT HOW MUCH U MAKE.. ITS ABOUT HOW MUCH U SAVE or NOT SPEND (O: . but that does not mean U CUT ON BASIC NECESSITIES. WHO R U WORKING SO HARD FOR??? ? URSELF RIGHT.. SO NEED TO TAKE CARE OF URSELF FIRST ..... (O: just my 2 CENTS.... ===================================================== as always what do i know (O: