That's really going to depend on your school and how you are charged/ how much you can make working full time and going to school part time (example, it may depend on whether you are paying by credit hour or by term regardless of how many credits you are taking). It also depends on the nature of your FASA loans. If you are paying more to take more credits (and losing income by not working) in order to get FASA loans it might be worth looking at whether you'd be able to pay less, work more, and still come out owing less with the best private loans you can find. That's all math you're going to have to run. If you are just taking unneeded credit hours to be full time and if that still is the best/ cheapest option could you look into ways to get some credit hours without actually being on campus (independent study, an internship that gives academic credit and pays a small stipend, etc.)? Can your extra credit hours go towards something that will make you more marketable/ help you earn a little more when you graduate (example a foreign language)? Can you also look into other ways to earn extra money and ways to cut? I assume you are musically gifted enough that you might be able to pick up some kind of music gig, you might be able to tutor or offer music lessons, etc. If you're studying teaching I'd bet a lot of people would be interested in you as a babysitter, part time nanny, etc. As for cutting, I definitely had friends who never bought food in college/ learned where all the free food was at/ which clubs fed their members. Make a budget and look at realistically where you can cut (example: if you study on campus do you need internet). Also look at what is and isn't a priority right now. You posted recently about wanting to get married soon, have you actually run the numbers and figured out whether it makes sense to do that now (and not have your parents income count toward FASA) to wait (and not be buying even the cheap engagement ring you posted looking for/ paying for a wedding) or to rely on your partner for some additional support (I assume you partner isn't also planning on spending another two years in college/ could at least feed you occasionally).

Regardless, 6 years is a lot of time to spend in college when you are going into a field that notoriously makes very little. People do manage full time course loads at really difficult schools in really difficult programs and full time jobs. If you're this dedicated to teaching, as much as it sucks, I think you need to be doing better/ getting it done fast than the average student given you lack of resources (if you don't want to take out the additional $20,000 in loans). Is your plan to get a master's after this? If not how easy is it for you to get a teaching job in the area you want to be as a novice teacher. I'm not saying don't do this, I'm just saying that if you want to go into a field that makes a lot less than other fields and not be in debt you have to be willing to get creative and work really fucking hard. If you're going to really pursue your passion and your passion makes very little you need to be prepared to put in a lot longer hours, to work less than ideal jobs, and to be better than the average student. That's just how it works. So grants, scholarships, etc. jobs that pay more but might be less cushy than your on campus job (you do realize you are making less than $8 an hour/ close to the federal minimum wage right?). Also if you are planning to get a master's consider whether your bachelors really needs to be what you are aiming for and whether there is any related program that can allow you to graduate and get into a master's program sooner. If you are thinking grad school is in the cards then you aren't looking at just two more years.