@LovelyAshley True, loans should never be taken lightly. If the loan amounts stayed constant you’d be looking at $30K of student debt upon graduation, which I know is more than the $20K you’re shooting for. But, considering you have to come-up with considerably less cash yourself each year, perhaps some of the extra money you make can go towards paying-off these loans? It should be far less stressful than knowing that you HAVE to work a certain number of hours to make X dollars to pay your bill to the school. Just a thought!