<p>Am i the only who is terrified to take out loans?! I just have a repeat of horror stories in my head of people who cant pay those loans and ugh! that’ll be completely on me. i basically got the same offer as the op, and i really dont wanna work while im in college, at least, not this first year because i want to be able to find out how college life is first before i decide to take a job. 
ive been looking for and completing scholarships hoping that ill be able to get extra money so that i can get rid of those terrible loans!</p>