Do I stay or do I go now?

I have a decision to make. Do I stay at my current job for one more year, or do I move back to my home state and take classes part time and try to get work down there to keep me afloat. If I go to school for at least 8 hours, my student loans go into deferment. The cost of living down there is cheaper. And being enrolled in an actual program may get me more guidance in applying for grad school. However, if I stay I get to keep the security of my full time job for at least one more year. I don't have to move a long distance, only to potentially move a long distance again in another year. And there is no guarantee that I will receive more advice from a department down there than I might be able to snuff out here. Very hard decisions to be made.