And that private loan will NOT have the options of income based repayment.
You have your whole life to move to Israel…debt free.
Your family is Pell eligible which means they can’t help you much in this journey.
Also, if you DO this trip…and then come back to transfer to your four year university to finish…does the school cost less than $13,000 a year total cost of attendance? The junior year loan is $7500 and the max Pell is $5900…which is roughly $13,000. If your college costs more than that…how will you pay?
You need to take a personal finance course this coming term…and learn about debt, and loans, and money management.