Is $175,000 loan Plus interest Too Much for Architect

I don’t know. You say you have NO money. Do you have assets? If it was an only child and a lifelong dream I’d encouraged, I might sell my house, majorly downsizing to my old lady condo and try to use that house equity money for college. But that would be if you don’t have other kids to finish raising and assuming you have a lot of equity.

If you absolutely have to take on that amount of debt, then no, I wouldn’t do it. It will be an albatross that will significantly affect the quality of his life. Architecture isn’t exactly a hot field. He might not find a job at all.