Always take time to consider and mull over questions and don't be afraid to say I can't answer that in a snap. You are allowed to say, I'd have to think it through considering these factors. You can always ask advice too of family and coworkers so mention that too. Loans and family. Don't say you will work full time at night because they will not believe you can do it.
People do all the time but they have to play the game.
If you admit to working say the the program will come first. Tell the truth. Remember the BS meter. Mostly they want to see that you have self-esteem and confidence. Admit to weaknesses but make sure they know you are working on them and optimistic.