And here’s another thing (and I apologize, OP, if it feels like we’re ganging up on you…we’re really not…I’m actually truly concerned about this and I am so so happy that you are smart enough to realize this in your first semester. ) It sounds like your two older siblings are also going to be $160,000 in debt…that means that there is zero chance that anyone in your family will be able to step up and help you…all the more reason why you need to change direction now.
You can absolutely do this…please PM if I can help you with any letters or correspondence that you would need to send out.