<p>Leftycatcher -</p>
<p>Your daughter probably can’t graduate with a $90k loan obligation because it would be almost impossible for her to borrow that much. The only loans that she can qualify for on her own are the Staffords, and the total for four years is $27k. Anything above and beyond that amount would require a co-signer, and it looks like you are not merely unable to co-sign, but also smart enough to know not to!</p>
<p>If your daughter wants to start college this fall, you need to find some place that is affordable for your family. Is there a community college that she can commute to, or another branch of the UMass system that would work for her? The other campuses aren’t as huge as UM-Amherst. Have her sit down with her guidance counselor and reconsider her options.</p>
<p>Wishing you all the best!</p>