@mom2collegekids She understands loans will be necessary to pay for my education but she wants me to minimize the use of them as much as possible. I have explain to her how the parent plus loan works and that it is a better option than taking out a private loan. I think she uses the whole student loan thing to try to keep me here at home and settle for UNCC even though she knows that’s the last thing I want. And yes I will bring my car with me wherever I go, for sure…I couldn’t imagine being without it. My parents pay for insurance and I make the payment/gas.