<p>I would strongly suggest you look at schools that will either offer you great merit aid or will be affordable to you without parent loans. It doesn’t sound as if your parents will have any liquid assets left, nor will they qualify for loans. Your mom’s income is too high for you to qualify for much, if any, federal aid even with 2 kids in college…idk how MA student aid works, but that may be better. Get a financial safety on your list!</p>