<p>Lucky, I think you know what your answer is probably going to be, and I think your parents are very lucky indeed to be the parents of a considerate offspring like you. You need to make a choice that you feel comfortable with. I do think its a good idea for you to go over finances with your family, and perhaps you will find that they are in better shape financially than you had thought. But obviously you are an intelligent and caring person, and you will get an excellent education and do well wherever you choose to go.</p>