The VA covers my school for 3 years, I'm just starting my third year of four with 17 months of funding remaining. This includes a living stipend, and there is extra cash that I save for when my 17 months runs out. I'm hoping for no debt, but I might have to take a few thousand in stafford loans towards the end to cover living expenses mostly. I'm really counting on tuition waiver and stipend for grad school. That's my motivation for living frugal, having no life, and studying so hard now.