That includes the loan. I’m still trying to figure out co-signing because both of my parents said they won’t pay for any college and that seems to include co-signing loans? I don’t know, they’re incredibly skittish when I bring up financials and it’s making the process a lot more stressful than I feel it needs to be.
Edit to add: I think part of it is because my mom was one of the first people in her family to go to college and my dad dropped out of high school in the eighth grade (after being held back twice) so there’s not a strong support network here. My mom is an educator but I guess it’s different when it comes to your own.