What should I do?

I will be blunt. You cannot afford your current school. Upon graduation, you will have more than $160,000 in student loan debt. This can cause problems in your life. In addition to stress & depression due to the overwhelming debt burden, many refuse to get into serious relationships with others who have excessive student loan debt.

This will affect chances of marriage, liklihood of being able to afford to have children, could result in denial of security clearances required for certain jobs, render you unable to afford a home, etc.

Total debt from undergraduate years should not exceed one’s expected first year salary. And better to limit it to one’s first year salary after taxes are deducted.