I am considering to take out loans if I need to. Ideally my budget for that will be ~$10K per year. I will be applying for financial aid and scholarships. I have taken the SAT and ACTs but none of the colleges I’m considering require them. I have thought about applying to SUNYs but probably won’t because when I applied to them as a first-year student the cost became a hurdle which is why I ultimately opted for the CC route until I figure out what my next steps are. Thank you!