Is It Worth It?

Been thinking a lot lately about this and just really don't know the answers...so, let me ask:

How does one go about getting a student loan?

How much is the student loan?

Does it just pay books and tuition or is it enough to live off of so that you can go to school and truly concentrate on school so you can pass and get a degree?

How long does the loan last?

Do you have to reapply every year?

Do you get accepted first and then get the loan or try to get the loan and then get accepted?

I've heard of people paying off student loans for a long time to come...how terrible is it, really?

Is it even worth it in this day and age when even a good college degree doesn't seem to get you a well paying job?

Would I be stuck with a huge student loan payment and the same measly ass wages that I get now or would work experience plus a new degree help me out? (And be realistic with this answer, we are talking about TODAY and not what it used to be like because, gotta tell ya, it is NOTHING like it used to be, out there.)

Do I have the option of only taking out one student loan or is there more than one?

Is it affected by credit? What if I don't have much credit? Will I be refused a student loan?

Can I use that student loan anywhere or must it be certain schools?

I have no debt. I owe on nothing. I'm just struggling by to just make it. I am smart as hell, (not saying I'm the smartest, hell I use wrong words on here all the fricken time...which I've noticed hardly anyone ever corrects me....), and really would like to finish school and get a better degree and actually have a shot at better paying jobs, better jobs, period.

Oh and do I have to live in a dorm if I get a student loan or can I live in my own place?

This economy sucks. It totally sucks. Used to be so fricken easy to get a job. I have one part time...very part time job. It's not enough. I need more. I would prefer a full time job, one that pays very well and has great benefits and is not going to fold any time soon but of course, none of those things are guaranteed the way things are going, these days. Seems more and more employers are cutting things left and right because they can because too many are out of work, desperate to work and the employers have the upper hand. So, people will take the job for a cut of what they should be earning. What they deserve based on their experience and education. It's not right. I will remember these employers should things get back to where they were, some day, and I will make sure never to give them my business because I think they are being unethical...but I'm not here to debate capitalism right now. I'm just trying to find something better. Not just get by, something that affords me a better life.

And even those with college degrees are having a hard time.

Is it even worth it to give myself a debt? Is it hard to get one? Is it enough to live off of? Can I complete another four years in school to get a higher degree to make more money and stop fricken struggling to just make it?

Anyone here?