<p>The OP needs to do a bottom line comparison on what the costs are for her choices and what she can afford. Instead of taking out loans i would seriously consider going to a local school like Columbus State Community College, focus on excelling there, and transfer to OSU, a top grade school. Why would you want to take out loans before you are even making much money? It’s hard enough to be a college grad, looking for work without loans. With them, the pressure gets really bad. Do yourself and your parents a favor and try not to incur debt for college. Believe me, it makes a difference. Even without debt, my kids are having a tough time making ends meet after college.</p>