So for OOS I don’t think there merits like what your expecting. You would of most likely known by now. If you take out the max as a freshman at around $5,000/year then you still have $24,000 to pay down. Work study realistically is about under $3,000/year so now $21,000…that’s still a lot to cover if your parents can’t pay that. Getting off campus apartments and getting off the food plan will help but just by a few thousand at most.