That's why I say: Busk. Busk for your new horn, it's paid practice, and put that money into a special piggy bank or Mason jar for that new horn only. When the new horn's bought, maybe you'll find busking a good/fun source of revenue for paying off a certain one of your loans, and pay that one off, then the next one, etc. I was taking violin lessons - doing great too, fiddle's easy. I got my teacher (half my age!) to get up the guts to busk, and as far as I know now, he's a regular fixture at the Mountain View CA farmer's market by the train station on sundays. Last checked in on, he was making about $100 for a few hours' work. He has the skills, I had to supply the guts by going with him, and basically all I did was stand around and provide moral support. End result is, I've taught someone to fish. He's good, been fiddlin' since age 10 or so, and I feel he can always make a living busking at the farmer's markets and for restaurants, fits around his school schedule, and frankly between you, me, and the lamppost, busking's got more of a future than high-tech. So why doesn't everyone do it? Frankly, because very very few are called upon by the powers above to be decent musicians. I've HEARD a bit of the other fiddle students. I've HEARD the students in practice studios and various street players and most don't have it. So it will always be a matter of the few, the proud, the GOOD buskers. So if you have the skills, consider giving it a try.