<p>If I’m reading you correctly your younger son doesn’t even want to take out the subsidized government loans he’s eligible for in order to finance his education, even though he is planning to have a career in business? I would recommend he rethink that position - almost every financial aid package he will see will automatically include those loans, they are standard, and if you or he don’t have the funds to afford to refuse them it will eliminate almost any school he might wish to attend.</p>