My confession: I need to get back to work only issues is full time preschool in my area is between $1000-$1400 a month. So I found an alternative. I stepped into Wells Fargo today and took out a personal loan of $14,000 at 2.68% for 3 years. I figured paying the loan with interest is cheaper than paying tuition monthly so win win. Only thing is if my husband found out he would be pissed. We made a commitment not to take out loans or credit cards without taking about it. Well...oh well!!!!!