Have a simple clear answer. Working to pay for school is a great reason. "Going through a lot of stuff" is a bad explanation, sounds like Jim Anchower[1].
Work experience (internships, part time programming jobs) are a great way to shift the focus from your school history to your work abilities. That's the reason nobody will care after your first job, they will just be asking about your work experience.
[1] http://www.theonion.com/blogpost/jim-anchower-is-one-smart-u...