Dear Jessica, 

Your situation is not all that uncommon. What you should do depends on where you are as regards your vocation (if you are sure of it now and want to enter), the particular group that you are thinking of joining (for example, some groups will accept you with debts and help to pay them off later on if you continue with them, others give a stipend to their members on the apostolate which allows them to pay off debts, etc...), the possible help you might get from family and friends, and perhaps the nature of the studies you have done. So you can see there are many variables and I am not going to be able to give you a magic answer. 

If you know what religious order you want to join, the best thing you can do is speak directly to them and do what they say. 

If you do not yet know the order, my advice is to work and save so as to keep your debts to the minimum, keep your expenses down so as to save more, and make sure the studies you are doing are likely to be helpful to someone going into religious life. 

If you do not know what order you are interested in and want to act on your vocation right away, I would advise you to look into religious orders first so as to find out where you seem to be called. Do not suspend your studies, since there are orders that only accept candidates after they are finished college. However, do try to reduce expenses, since that will always be to your advantage later. 

I am sorry I can't give you more to go on than this, but I hope it helps. 

God bless.