<p>$14,000 a year is a HUGE loan. Perhaps if your parents are willing to help, you could cut down the size of the loan. I know our son was offered two loans this year, one of $2000 and one of $5000. We had him take the $2000, but decline the other, and we will try to come up with that (along with the EFC amount), because we don't want him to graduate with a huge debt to repay.</p>
<p>Of course, this all depends upon how much your parents can afford and are willing to pay.</p>