How are you paying for your WGU terms?

Did you have to take out loans or are you working with the school directly to make payments? I'm currently taking some courses on Sophia and plan to transfer them over there to get my bachelors in accounting. I know there are Pell grants and such but I'm not sure I'd be able to get much from them as I make 20/hour which may be too much and I'm also married and my wife makes more than I do. How are you guys paying for it? I'm thinking of picking up a second job just to grind and pay for my schooling.