<p>Tough to answer. I don’t know how much you’d be borrowing, and my crystal ball can’t predict the difference in outcomes between doing a 2+2 vs. going straight to four year. I believe going straight to 4 year is valuable enough to warrant a premium.</p>
<p>It looked like you were suggesting that you would require a $10k loan each year. That is not likely possible. Federal direct loan limits are $31k for undergrads at graduation; the first year limit is $5500, second year $6500, and each additional year is $7500. Your parents will have to take out loans in their own name to make up the difference.</p>