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We haven't been quite in this situation, because my dh did grad school in a field where he always had either a teaching or research assistantship and full tuition remission-- so we were lucky that we had some (small) income, no extra debt, and a bunch of savings. We never had to accept assistance, but we did qualify for some amazing tax credits, etc.- so definitely look into that (even though it won't come until next spring- it's nice to know it's coming!) I'd also recommend cutting way back on expenses right now-- it really surprised me to see how little we could live off of, once we prioritized things- and any extra bit in savings will be that much more peace of mind. Best of luck to you both. I've always found that the long hours are much more of a hardship than the low income.