I started my BS in March 2004. I already had a 5 year old son and a 3 year old stepson. I was pregnant when I started and had my daughter in July '04. I took two weeks off and returned. Then I had my son in March '06 and I took no time off (I missed class the night I had him, then went to class the following week). Then I had my youngest daughter in February '07, again took no time off and I have two classes left and am 4 months pregnant. This baby's due in June '09 and, although I planned on going for my MSW this fall, my husband's in law school and I honestly don't know if I can go to school full-time, while having 6 kids (we have custody of my stepson) and with my husband in law school full-time. However, it is manageable with less kids. It may even be manageable in my situation, although I feel it would be a bit overwhelming. Anyway, you can take the excess on your student loans and use that to supplement your income/daycare costs. Like the previous post said, a lot of colleges have on-site daycares and there are community programs such as EOB that will provide daycare assistance. Just know that although it's not the easiest thing in the world, you are providing your child with a better future. Good luck.