<p>Queensjazz, my friends’ daughters all went to University of Toledo and they loved it there. Unless you commute, however, even the instate cost of that school is going to be a rough go. Though CAU may be your first choice school, they did not give you any financial aid. The same $11K or so that you can get for CAU, can also go to any other school in the country as it comes from the federal government. it will go a lot further at UToledo than it will at CAU, I guarantee you. </p>
<p>You are not going ot be able to come up with $20K in loan money yourself and to ask your family, if their income is at a zero EFC, to get full Pell is like putting a financial noose around their necks. You don’t get out of paying student loans that are cosigned or for which you are guarantor, as well as being primary on them. By dragging them into the mix with private loans with unfavorable terms, most likely, you are endangering even their social security checks as the long hand of government will reach there to get the money back if you can’t pay. And if anything should happen to you, they will still owe. Do think about this very long and hard. UT is a fine school, as good or, IMO, better than CAU.</p>