Thank you for your responses. Yes, according to the private loan company, a co-signer is required. I am 27. I've applied to state schools and this private school is the only program I was accepted into. I'm applying to scholarships but I can't depending on being awarded one. I see graduating a year earlier than a traditional school as similar to taking out loans in terms of opportunity cost but trust me, if I were accepted to an accelerated state school, I'd attend in a heartbeat.