I’m not sure where that $200 a month payment is coming from, but I can almost guarantee it’s going to be much higher than that…not a good comfort level if you’re working at Safeway out of college, like most prospective actors. I would highly recommend thinking this through. Assuming you could even get the loans, you would hate your life afterwards. It would be especially difficult to change careers with a pile of debt to deal with, because you’d need more debt to go back to school and get something more marketable. Trust me, I hear about situations like that on this forum almost weekly.