<p>I don’t think he should quit school, but probably stop boxing himself into debt only options. A little creativity and alot of maturity and perserverance would go a long way here. There are usually these sorts of stories/complaints from high EFC kids. Think of it this way, a low EFC kid generally knows that their parents won’t/can’t contribute and targets merit aid, scholarships, affordable schools. They often take advantage of CC’s or online classes to get pre-req’s out of the way and will work one or more jobs to fill the gap. There really isn’t any reason why a high EFC kid can’t do the same but, for some reason, massive debt is usually their first thought. I’m just trying to get OP to explore other options that might make his/her life better in the long run. In my experience, where there’s a will, there’s usually a way - cliche but often true.</p>