<p>From everything published about the very slim odds of any of our kids making a living in the arts, and the paltry sums they tend to make if they do, it is not wise to burden their futures and our survival with debts. Noone plays/sings well if they are under stress, so it becomes a self-perpetuating problem.....if they are desparate to get the job because of financial issues, they will be less likely to get it. My daughter makes a living, but barely, singing opera in Germany, and she is a house star. She could not possibly manage any debts, and as it is, she wakes up in the middle of the night in a panic about money. It is one thing to take on debts to go to medical school, but music is something else entirely.</p>