I am also a future college student and I’m planning on taking loans, cuz besides loans I don’t know any other way to afford my college tuition. Even with financial aid, the tuition fee is still way too hefty for my family’s financial capability. I’m planning on going to UCLA, and it has been my dream school ever since I was in elementary, and your post is very relatable. The loan I’m planning to take is from Sallie Mae, with an interest rate about 8-9%! Which is outrageous. But that’s practically the best loan I can take that can adapt to all my requirements. Student loans are scary, like, what do you do if you can’t pay them off on the due date? Conclusion: I agree with what you said, where no one should ever take loans if you they can afford tuition.