Monthly expense $1200-$1300???? really? Do you own a house or what? I am eager to see your expenses.
You are a student and should live like a student not like a bank manager with 6 figure salary. Please don't ruin your career playing those non sense. Yeah $9K/semester is expensive but you can study hard and try for scholarship or transfer to cheaper university.

You have already wasted valuable amount of time researching those online bull$hits. So please don't waste anymore. Time is precious!!