OP, I don’t think you understand what it’s like to carry a $100K debt starting out in life. Personally, instead of either of these 2 options, I’d recommend working a year and trying to support yourself on your own. There’s a lot of educational value to be gained simply by doing that. You’ll come to realize that there’s a lot of uncertainty (for instance, in getting and keeping a job; or even finding any work–try to find a job right now, for instance) but debt doesn’t go away even if your income does.