<p>If you were my child, I would recommend working for a year, saving money and reapplying to some less expensive colleges. It’s not like your community college credits are going anywhere. And a year of working full-time will give you a great nest egg. You may still end up having to take out loans, but hopefully less than $30,000 per year. Graduating with $60,000 in debt is a huge amount - especially considering your majors and job prospects after graduation. If you want to go on to a masters or PhD - do not take on any debt for undergrad.</p>