<p>Kelsmom - I agree with you, that’s why we won’t co-sign any loans. The colleges that he was thinking about were going to cost him a couple of thousand a year either in loans or a part-time job. I had both a full time job and ended up with $10,000 in student loans by the time I was done(it took me 10 years to pay it off) and that was a long time ago. So on the one hand I don’t think that’s too much for him to handle however I really don’t want him to have any loans at all. Luckily he’s a smart kid and seems to be coming around to the idea that those schools probably aren’t worth the extra money.:)</p>