<p>Maximum student loans without co-signer are the Stafford loans of $31,000 for all four years put together, of which $23,000 can be subsidized.</p>
<p>If you have nothing to pay cash, then parental loans or co-signing would be a bad idea. Unfortunately, it is rather late in the game; last fall, you and he could have tailored the application list to emphasize big merit scholarship schools that could have produced more affordable choices. Like these: <a href=“http://talk.collegeconfidential.com/financial-aid-scholarships/1348012-automatic-full-tuition-full-ride-scholarships-17.html#post15743177[/url]”>http://talk.collegeconfidential.com/financial-aid-scholarships/1348012-automatic-full-tuition-full-ride-scholarships-17.html#post15743177</a></p>
<p>Of your list, CU seems to be at the outer edge of affordability, if he takes the Stafford loans, adds some work earnings, and you contribute a small amount which would be instead of the cost of food and utilities for him as a high school student.</p>
<p>Is going to a low cost community college and transferring to CU, CSU, or CSM as a junior an option?</p>