<p>You say that you can afford it but your parents are unwilling to pay? How can you afford it then, do you have money in your name separately?</p>
<p>If you are planning on going to graduate school, do not go into drastic debt for undergrad. Many people go to a school that fits them for undergrad, get good grades, and participate and leadership roles. This will help you in applying to a prestigious graduate program.</p>
<p>Do not take massive debt! Thats the key. If you can afford it without borrowing, take it!</p>