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One thing you ought to rethink if you do pick IU and loans over SDSU and no debt is the fraternity membership. Just to join will be expensive enough, but to not take the opportunity of serving as an RA and living on campus for free --- eliminating a big chunk of your estimated debt --- is foolish, imo. Go with your gut for your dream school if you have to, but do everything you possibly can to reduce that debt load by the time you graduate. RA and free board over frat membership would be the wiser decision.
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