Loans do not give you a sense of responsibility, only interest to pay back on top of everything 
Either you already feel that sense of responsibility⊠or you donât. It sounds like you do, so minimize loans as much as possible.
Btw large loans can be considered a liability by employers.
I concur that graduating early is not a positive in the US - you can always use a semester for a co-op (UIUC is good for those, youâre paid, and it doesnât count against OPT months) and see if you can spend a 1st one (pre co-op) on âstudy awayâ, for instance a semester in Chicago.
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