I agree with @mahoganycurls305 my goal is to go to college and then leave debt free. I don’t know if leaving with loans is worth it now. @Chopinspiano do you believe your experience at Howard is worth it even with loans. I have a senior friend that was deciding between Univeristy of Miami and Howard and went with Miami instead because Howard only gave loans. I plan on taking the ACT at least twice now. Thanks for the advice everyone