<prompt> Human: I recently saw this thread and it prompted me to start a thread of my own.I read all the answers he got and seeing everyone say dont get loans, or dont get into debt, scares me and heres why.Im in a situation where I will be attending university soon for my engineering degree and their website says full-time tuition is about 6200semester or 12,400yr. Once I start attending loans will be my only option. FAFSA is not an option and the closest I can get to any type of financial aid might be scholarships I can apply to.So is everyone here saying that if I cant afford to go to university without taking loans, that I shouldnt? or am I misinterpreting the replies in the referenced thread?  <response>: If its 12K a year x 4 48K, then no brainer. You should take out a loan to get an engineering degree. You have 30-40 years of working life ahead of you. A good engineering degree will easily make that money back in spades. 