I really believe that everybody need to do what they have to do to reach goals. So if you have to take out a loan do it. Me personal The cuny Schools in Ny is very competitive because they offer education at low cost. There nursing programs are pretty hard to get into and you have to study and bust your butt to get in. (which I am currently doing). There are many students who don't want to be bothered with getting rejected by the cuny programs so they choose to go to private schools such as LIU, Adelphi, and monroe, etc and get charged high tuition. However it they get into the nursing program with their eyes closed. And graduate and pass the nclex. Honestly i personally am trying to go the loan free route but I want to be a nurse so i would pay 35,000 a year to make it happen if i had to.