@yurica - A $10.6k expense for MSU is quite good and doable for a student without any other resources. After using the subsidized loans, Perkins and Direct Subsidized, you are left with $6.1k to make up. Working PT and/or utilizing the work-study offered you would only need to make $3k during the coming summer months. I personally think you are in a good position to get a great education at an excellent price!