<p>Having second thoughts about acquiring large debt is a GOOD thing. Please think carefully and deeply about this some more. Our Val was accepted into Middlebury and all her top choices but opted to go to our in-state flagship with no debt, as she wanted to attend med school. It was an excellent choice for her and she completed her BS and some post grad work, and was accepted at Mayo Rochester, where her first year of med school was totally free. She and her family was happy she graduated debt free and is now pursuing her MD degree.</p>