Whatever you do, DO NOT take out private loans. They are evil. You can have an amazing college experience and not take out private loans. If you have to go to a different school, go to a different school. It's just not worth it. Even when I tried to settle mine years after I graduated, they pulled a fast one on me and backtracked on what they had told me they would accept, even though I asked over, and over, and over, and over again to be certain. Just don't take them out and save yourself so much stress and worry.