<prompt> Human: My wife and I never had student loans. As a result, we know very little about the subject. My 18 year old will be starting college and hell need to take out hefty loans he chose a very expensive school. We did FAFSA, and he also got a couple of small scholarships. But I dont know where to start with the student loans. Do I start calling various banks? Is there one bank that seems to be better than others? We use USAA, Do they offer decent loans? Any advice is appreciated.  <response>: Unless you are wealthy, which is to say you dont need loans, or you get close to a free ride scholarship, the very expensive school is not for you. The very expensive school is for people who can afford it.Send your kid to the instate public university. 