Mom2 is right, that is a crazy amount of money to borrow for a CS degree, especially as many top companies do not care where you get your degree; they only care that you know how to program etc. My son goes to a wonderful state university (although not known for its CS department) and right now he is interning at a well-known CS company. Also its wonderful that your stepfather said yes to a loan, but what happens if your mom and he split up (it has known to happen.) Try to borrow as little as possible. If this means living at home and a community college for the first 2 years, then please consider that option.