I am a Nigerian Student who has received various admission packages from various schools in the United States of America. However, I chose to attend the school with the largest financial aid package. Recently I found out the financial aid I have received is not enough as I am 10k+ outstanding. I have requested for a payment plan but without a document from the bank saying I can pay for the full tuition the university can't proceed to process my I-20, without the I-20 I can't get my visa and without a visa I cannot attend university. Now I'm faced with two options, defer my entrance till January or maybe next year this means another year off school. I'm am 19 years old right now and I never expected my life would take a detour in which I could never recover from. The other option is to take a year in another country like Australia, Mauritius, Cyprus or somewhere else. I feel like if I do that I could very easily forfeit my opportunity to go to a great American university. I also know transferring after a year is another journey which I know nothing about. Could someone out there give me some words of advise? I'm really confused about this right now.