Im nowhere near your situations right now, because im not in school, however i do know that your looking to fit into a program that has already been set. If you change your mindset about money, how to spend and make it, you might be able to pull a 180 before you end up at the Job of your dreams living a nightmare. I read "Rich dad poor dad" by Robert T. Kiyosaki, and even though it doesnt offer concrete solutions, it helped me invent my own way of thinking, especially on how to manage life after college, avoiding debt, and making Money work for me instead of me working for money.

Breathe