<p>Don’t take on the debt it is not worth it. Especially if you are planning on going to grad school too. You will spend your life paying them off. Do you realize that most of the debt you take on, since it is unsubsidized, will accrue interest while you are in school and be more than you borrowed before you start paying it off. I am sure that if you were admitted to UVa and the Echols program, that the other schools that you applied to that gave you merit aid (probably your saftey schools) are better than you think and you will graduate with less debt.</p>