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socal, as you may recall, I'm an IU fan, but I think you really need to consider this debt load. From someone that's been there, it's NOT fun starting off life with a huge debt. You get through it, but it's always there. There are somethings you might want to do that will need to be delayed until the debt is paid off or more easily managed: i.e. a home purchase, children, new cars.
Several times you've mentioned you would like to be a tour guide. Exactly how would that help with the debt load? I can't imagine it would qualify you for in-state tuition or even pay that much, if anything. It doesn't really sound like a "plan" to me. Have you considered a job while attending school? Even a few hours a week would be enough for spending money. If IU is your dream, than you need to consider what you might be willing to do while you're in college to get that debt load lower.
My children have been told that we'll have a hard time paying for an OOS public school from a logical/intellectual viewpoint. There are several fine schools instate for them. We fail to see a real benefit for them to attend an OOS public when most of those academic options are available for an instate fee. (Since we've just started this process, we could be way off base on this though.) Can your state schools really not provide a similar experience for you?
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