I am currently a first year freshman and attended a local state college in NY for my first semester. I have been planning to transfer to UMass for my second semester and then continue my education there. Recently I have been having second thoughts on this decision and don't have much time to decide whether I should go or not since the semester starts really soon. I have always loved UMass and the campus, but don't know if it is worth it to be in debt afterwards. If I were to attend UMass I would be paying over $40,000 each year there. But if I chose to stay home I would only have to pay $6,000 a year. Would it be beneficial to stay home and save the money for graduate school, but miss out on the college experience or do i go away to college and have to face the insane amount of debt I will be in when I graduate?