<p>OP, with your full ride now, no loans, you will be in prime shape to take out loans needed for a grad program with good job/earning prospects, especially with your grades and academic prowess. Your odds of getting something that will pay off will be much higher. Grad students can get Direct loans at about 5-6% on their own, not involving parents and there are also other options available. Right now, even if you wanted to do so, you are highly unlikely to be able to borrow the kind of money you will need for a ug degree without involving your parents heavily–actually putting the on the hook for the loan, something you don’t seem to want to do. There is good reason for that–ug programs are not good risks for banks. The returns are not good at all. That’s why they snag the parents with a noose around their necks AND the kids. Gotta get’em both. Not so for prof programs and even grad programs. </p>