how did you afford to go to school while also paying bills?

how did you afford to go to school while also paying bills? I'm 20(M) currently going back to school for finance and seeing if it's the best decision. I currently have about $10k CC debt and working around 36 hours a week but if I go back to school, I'll be working way less. If I work less I won't be able to afford my bills such as rent, car, etc. Should I take out a personal loan to pay off that debt or...

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