I really want to apply to (and get in to!) a top-tier law school. Sure, it may not happen, but I can dream.
Before, I was just terrified of applying and not getting in anywhere. Yeah, I'm taking a year off to intern and work, but that doesn't necessarily boost my chances enough.

Now, though, I scared shitless of the prices. Most of them are more expensive than my undergrad, and that's eaten through my pocket (and arms and legs). Oh. God. I am never going to pay off all of my loans, am I? Shitshitshit.