<p>What’s wrong with Toledo? What you have going for you there is that it is in state, which gives you a lower tuition right off the bat. I do know someone whose DD went to Virginia State. Liked it just fine. I’m sure there are kids who like CAU just fine too. But looking at the stats, half the kids there didn’t come back for the second year. Borrowing $30K and owing it for less than half a chance of making it back the next year doesn’t sit right with me. </p>
<p>How much, bottom line is Virginia State going to cost you? Bear in mind, that loans are not grants. You gotta pay them back with interest. The big question is whether you can afford to go there. At age 18 you are not going to be able to borrow much without a parent signing with you and at their income level you are just tightening the financial noose around their necks. They don’t need any more loans, and these ones they aren’t going to be able to just dodge. They follow them AND you till you’re both dead. If Virginia State gives you enough money to go there, not lend it to you, but gives it to you, you’re good. </p>
<p>Do you live in Cleveland? I always thought my friend’s girls should have commuted to Cleveland State which they could have done pretty much loan free. They wanted to go away to school and Toledo did give them a few thousand dollars, but they are still paying and will be for a number of years for their sleep away experiences and are back home with parents as they work so that they can pay back that loan. And it’s less than the amount you are thinking of taking for one year, for all four of their college years.</p>