@sybbie719, the OP stated in another thread that s/he will be borrowing $20K, with his or her Dad as the co-signer. This approach is fraught with pitfalls. IMHO, your limited resources should be directed at getting your 4-year degree, instead of embarking on a year abroad program, which is completely funded by borrowed funds. OP, have you figured out how you will fund the remaining 2+ years at your 4-year institution?
As @thumper1 asked, what is so special about this year long program abroad?