I didn't snipe. This is life advice. Get a part time job. If you're in North America (Canada or US) and you can't squeeze out $400-600 from your budget over the period of a year, you're making excuses, pure and simple. Cook at home, drop cable subscription, don't go to Starbucks, do part time jobs, and so on and so forth. That's what students did back when I was one.