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Student loan question

Thinking about student loans sends me into a nervous panic, and I think asking here would hopefully lead me to a simplified answer. I hope this doesn't sound too dumb. How do you pay off your undergraduate student loans when you go back to school for a higher degree (master's, doctorate, etc.)? I finished university in May and will be paying off loans very soon, but in a year, I'll (hopefully!) be back in school for another 4 years. However, I won't be working during that time because of the nature of type of school I want to go to, so I'm not sure how this all works without me having an income. And the money I make this year isn't going to be enough to cover all of my undergrad loans :S

I need to send my ass off to bed, so if you reply...thank you, thank you, thank you!

ETA: I live in the States.

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