<p>Doesn’t matter, nobody will loan you that much money for college. The larger loans you were offered are PLUS loans, which are loans charged to the parents - and as you note, that clearly won’t work for your family.</p>
<p>You, as an undergraduate student, can borrow up to $5,500 per year with Stafford Loans and that’s it.</p>
<p>Time to move on to your other options. :)</p>