What do you want to major in? If it is a lucrative field and you feel like you can pay off the loans quickly then UPenn might not be a bad idea. My nephew went there, majored in Econ, is working in finance now, and is doing well for himself (although pretty sure he didn’t have loans), bought a house, etc. If you want to be a teacher (love teachers, but the pay stinks) take the no loan situation.
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