What are my loan options?

<p>It’s up to the parents and student whether or not WS should be in the picture or not $5K is an awful lot, I agree, for a freshman. But if the student isn’t going to take it, there will be others who will, and the family and student are going to have to come up with the money. The school isn’t going to replace that award with a pure grant, you know. So maybe work extra over the summer and take out more of a loan, if the family cannot come up with it, and it is so important that you don’t work.</p>