These days, a decent education means mountains of debt, unless you're lucky and have parents who make a good amount of money. My ex-GF racked up tens of thousands of dollars in direct loans, on top of her college loans and whatnot, even after working 40 hours a week on top of school.
My advice would be to get an internship. That's about all that's available to people with "entry level" skills, since even entry-level job openings get so much competition that the employer usually has the luxury of picking someone for that position who actually has years of experience.
I've been interning for seven months and counting now, because I haven't even gotten a peep or a callback from the dozens of "entry level" job openings I've applied to.
Whatever the case, don't get a placeholder job. Don't give up and go work for Starbucks or Barnes and Noble. Try to get some real career experience, even if you won't get paid. Having no portfolio is a true deal breaker, because even the entry-level openings say experience in x and y is "highly recommended" or "a definite plus" (read: required).
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"The idea that money doesn't buy you happiness is a lie put about by the rich, to stop the poor from killing them." -- Michael Caine
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