<human>: Financial Situation:
Two big things are happening in my life this summer: I'm getting married and I'm going to grad school!  Currently, I'm making $56k/year at my job, which I will have to leave; from it, I have saved up around $15k, of my own money and $13k in 401k.  My fiancé, who has been working and living at home has saved up $60k, hates her job because of her co-workers and is committed to quit in May.  Grad school will be around $45k for 1 year which I prefer to pay on my own and I have already submitted FAFSA.

My situation and safety net:
The fiancé is applying for other jobs, but if she doesn't get anything, we won't any income.  Fortunately for us, my parents and my in-laws are great and I know they will help us if we ask, but personally I want to do this on my own and only rely on them if I get desperate.  I also want to avoid touching the money my fiancé has saved up because it's her money and I would rather save that money for emergency or a future house.  The school is in my home town and if we really need cash, the fiancé could live at home with my parents, we're both Indian so it's customary and don't have a problem with it, but would avoid it if we could.

Based on the brief summary, do you all have any suggestions on what I can do or have any advice?  A few of my concerns are: take a loan– vs– pay cash, be smart and live at home – vs – live on our own, what else can I do to find money.

Condense the text into a few key points
<bot>: Heading to grad school, looking for ways to make the most of my money and find bank/government programs which can help me get money.