I answered this in a very simple manner. I need a job to pay for my expenses that are building up. I also need to gain work experience, and if I could get the oppurtuity to become a member of your team, that would be a great help to me later in my professional career.

For the paying off expenses area, what else could I add?

You're focusing on your needs, rather than your employer's needs. Put your emphasis about why you want to work HERE!

You need to tell the prospective employer what attracts you about THIS job. What can you do to help this employer?