It kinda sucks that i have a high EFC because my parents are like the hardworking middle class which it makes it difficult to get grants and all the free stuff >.>.... I wish my parents did a college savings plan like my relatives but they came to the U.S. not knowing any of this stuff which is coming back to haunt me and my parents. But my parents are willing to pay everything else(books, etc.) except for the tuition and housing Thanks everyone for their opinions toward the student loans. It just hard to imagine being hat much debt from school. But I understand that education is a great investment especially towards a degree that i love. Kinda made up my mind before taking out any loans to live with my parents for a couple of years to pay off as much of the debt as i can even my pride says "move out" and to wait that same two years in buying a new car.