This is what I did. I went to community college first. Community colleges offer the same courses as Universities for first two years. You will will save so much money on basic college courses. Example, in a community college, you will pay $28 to $30 per unit. In a University, same course will cost you $350. After two years of college course, you can transferred out to a University. It will take you 4 years this way as well. Plus, you will save so much money.

Also, why are you thinking about loans. Apply to financial aid. Never show your parents’ income. When you fill the application for financial aid, say that you are a full time student and you pay your parent rent at home. Show your expenses. More expenses you show, more free money you will get.

This is how I did it. I have Bachelors degree and I have no loans on my head.

Also, when you apply for fin aid using the fafsa.ed.gov you should use your mom (and your step dad’s-if you have one) income. Don’t put your dad’s income on the fafsa.