Your college costs ~$10k/semester (~$20k/year) for state residents. You’re borrowing ~$7k of that (~$14k/year)? So you’ll graduate with $27k in federal student loans plus over $20k in PLUS loans? That seems like a lot. And on another thread it looks like you might want to borrow more. Maybe you should consider doing a year at community college then transferring to a 4-year school, especially if the TX grant is need based and will follow you.