Hi, I would really appreciate some advice or thoughts... obviously this topic is really bothering me since I'm up at 4am! Monday, I was so incredibly thrilled to find out I had been accepted to my two top schools. One is my state school and the other is a prestigious ivy league. The jubilation is starting to wear off a bit now that I know I must start thinking about the financial implications of choosing between these two schools. Here are some of my concerns: 1. My family has very few financial resources, so I'd have to take out loans for all expenses 2. I really want to specialize (ortho), and know that I may have a better chance if I attend the more prestigious school 3. Total loans for four years at Ivy would be ~280,000 (a lot!) However, I really really liked the school, program, and people there. 4. Total loans for state school would be ~210,000, and there might be potential for a state scholarship that pays the $35,000 tuition each year. However, I wouldn't know if I could get that scholarship until the summer... well after my decision must be made. *This seems like an awful lot to take out in loans! Will I be able to pay it back while still living comfortably? I used a loan calculator for the Ivy League loans and determined the monthly payments for a 20 year repayment period would be $2000 per month! Is this completely ridiculous? **Would I have to take out even more loans to specialize?? I see that many programs require a tuition of ~$30,000 per year. Do students just borrow more on top all the loans they have already? **Could I expect to find better jobs/make more money if I attended the more prestigious school and specialized? ie would the extra cost be a sufficient investment into propelling my career? I know this is a lot.... but thank you so much in advance for your advice. Much appreciated!