Complete Frustration!

Okay, so I've been trying to be good about a lot of the decisions that we've had to make in the last month, but I'm really having a hard time with them. Nick finally made a decision to accept his seat in this MRI program in Philadelphia. It's a 6-month program where he'll be training to get his certification. It's a program through one of the university hospitals up there, but it's not technically considered a school, so he won't be qualified to get a traditional student loan in order to pay for the program. That leaves most of it on us, or getting a loan which we'll have to pay back as we go. Here are a few of my reservations:
1. He has to quit his job for those 6-months because it's a full-time program. And it's not like he can get a part-time job because the program is sometimes during the day , and other times it's the evening shift. In this time of uncertainty, I just keep thinking that he has a job now and he wants to voluntarily give it up not knowing if he'll get one when he's done?

2. He wants to commute. We live about 90 minutes from where the hospital is. Can we say gas guzzler? We still have the Jetta, so that's not too terrible, but still. Ka-ching!

3. I'm going to be all by myself for the duration with three kids under the age of 3. One of those being a brand new baby. I don't want to be by myself, but he thinks that I'll be able to handle it. That's not the point. I don't want to handle it all by myself. It's hard enough as it is with two kids, let alone three.

4. He has to have health insurance for the entire program. Once he quits his job, we'll have nothing. He looked into how much paying through the COBRA program at work would be. About $1900 a month. Who can afford that?! So now he's looking at health insurance on the internet. Nick is so trusting that he almost always falls for scams, so that has me worried.

5. We just got our settlement check from my accident last year. It's a significant amount of money that I want to use some place other than paying for living expenses for 6 months. But Nick wants to use it for just that. It's an amount that we'll never ever get back in the bank. We'll never have that much money again for a down payment on a house, or to by a bigger vehicle outright.

6. He wants to either move back in with my parents or move back in above his parents like we did when we were first married. I don't want to do either. I will if I must, but I really don't want to. Moving in with Nick's parents would mean a different ward. I'm not sure I want that yet. Moving in with my parents means that we have no personal space. I know that living with either/or will save us tons of money, but when we moved out of my parents' house in March, I didn't plan on moving back in.

The list goes on. These are just a few of the major issues that I am struggling with. If I had my choice, we wouldn't do it. I want the outcome because it's a $17,000-$20,000 increase a year. That will get us into a better house than what our options are now. It'll give us a little bit more of a cushion with a growing family. But I have so many reservations about doing this. Being that Nick is the patriarch of our household, I do support him in the decisions we have to make, but this is probably the hardest decision I've had to make. I guess maybe I'm being selfish, but I'm completely scared straight! I don't want this!