<p>mom2collegekids…I’m a 25 year old non-traditional student, married with a family of my own already who is planning to transfer from a CC and doesn’t own a car and doesn’t plan to do so in the near future. 
Also, my credit and that of my husband’s is to the point of a cosigner not being necessary. </p>
<p>I understand your point, which all should take into consideration. However, specific situations do differ from person to person. </p>
<p>I’m applying to ONE school, where I MAY or MAY NOT end up attending next semester depending on whether or not I am admitted and what the FA package offered looks like. (in addition to whether I am awarded specific local outside awards and scholarships that I’ve applied for.) As long as my AA is completed, I am guaranteed admission at my local In-State Public University, which I am honestly not very keen on attending for various reasons. However, if the chips fall as they do and I end up having to attend that In-State school, so be it. The less debt I’ll have and the more manageable it will be. </p>
<p>However, I’d take the huge amount of debt and deal with it if I had a chance to attend my dream school. Any school that has any of the majors that I am considering (other than the Vocal Performance BM, which isn’t truly feasible for a number of reasons.) is going to be OOS anyway. (I’m in Nevada.) So, its really a rock vs. the hard place. </p>
<p>Thanks for your advice.</p>