<prompt> Human: Im a student at a big university, Im a double major and my Spanish major requires me to live abroad. I will be going to Argentina for an entire semester 4 12 monthsThe program costs:Trip: 12,000 USDSpending money: 4,000 USD?This could changeTuition for my uni: 5,000 USDI have enough to cover the spending money part but I dont have the other 18,000.What loans would be best for someone in my situation? I dont qualify for FAFSA or any need based scholarships because my parents make too much.Edit: I am aware this is expensive but I have yet to find a trip similar to this from a university in Ohio. I want to live and study in Buenos Aires for the specific accent and culture, I know other counties would be cheaper they dont have what I want. I doubt anyone here will help me find a different trip or resources to find a different trip, also rotary doesnt offer exchange to adults. someone came throughEdit2: okay if i do the trip without choosing to receive credits from my university that takes off 5k but then i wont get a major in Spanish, thatd bring the total to 12k plus spending money. Right now im 4 credits away from a minor in Spanish.Assistant: I think youre looking at this in a very immature way. For you, it seems to be an overpriced rip-off pre-packaged trip - or nothing. Because you refuse to plan a trip yourself. Living abroad in Argentina doesnt cost that much. Your school is ripping you off. You could do 6 months in South America for 6,000 plus flights. A similar trip? Make your own. Stop relying on pre-packaged trips. Youre an adult, and youre capable of planning a big trip. Make an excel spreadsheet and google doc and get to work. Some resources: Kayak.comexplore to find cheap flights Workaway.info Wwoof Argentina - HostelBookers.com - AirBnB - book yourself an apartment for a month in Buenos Aires, before you do rwwoof-ing - Book yourself some Spanish lessons while in Buenos Aires - Maybe arrange a volun-tourism thing for a couple of weeks? Edit to add Potential trip itinerary for 3 months: 1,500 roundtrip - Fly into Buenos Aires 170 - Spend a week in a hostel, getting to know other travelers 2000, max - Rent a room in an apartment in Buenos Aires for a month 0 - Stay with a host family or two through rwwoof -ing for a month-ish each time 2,700 - Daily food and entertainment budget of 30 for 90 days this is quite extravagant, should have you covered completely, esp. since most rwwoof families provide food 900 - Daily transportation incidentals budget of 10 toiletries, subway fare, lost equipment, getting from Buenos Aires to your wwoof-ing spot 660 - Daily spanish lessons from the Spanish school listed above for a month, for a total of 20 hours per weekTOTAL for budget trip for 3 months: 6,930 Extravagant trip: All of the above, plus: 2,000 - Rent a room in an Apartment in Buenos Aires for three months, no rwwoof-ing in this version 600 - Flights from Buenos Aires to Chile or Peru 170 - a week in a hostel in Chile or PeruTOTAL for crazy extravagant trip: 9,700You could even throw a 3,800 10 day contiki tour onto that amount, and it would still be much, much cheaper than the trip your school is trying to sell you. You could even had 2,000 for hookers and blow on top of THAT amount, and still have a cheaper trip. You could fly first class, and still have a cheaper trip.Do yourself a favour, head over to rbackpacking, and search South America. Make a plan that involves hostels and rwwoof -ing. Then sit down with your school faculty? program coordinator?, present your plan, and say that you cant afford to do the program that they require. Human: I think youre looking at this in a very immature way. For you, it seems to be an overpriced rip-off pre-packaged trip - or nothing. Because you refuse to plan a trip yourself. Because I dont trust myself with making a trip. I dont know anything about planning a trip. Of course I am immature, im 19. Why do you think im asking strangers for help? I dont know what to do, thats why.  <response>: Read my post with the edits and start thinking about it. I think you could do it! Youre smart enough to be in university, and youre smart enough to plan a trip. I budgeted for 3 months, but even if you multiply all the expenses that I projected for living costs by 1.5, youd still come in at around 8000 to 9000 - about half of what the school wants to charge you. Email your faculty today and set a meeting with them a week from today. This week, see if you can put together an itinerary and a budget that youll show them at that meeting. An Excel doc would be ideal for the budget, and for the itinerary, you could use a simple Word doc or maybe a calendar program. If theres a way that you could take classes at the university, pay tuition, and take care of the rest of the trip yourself - that would be ideal. It seems that the school is really using these trips as a profit center for the program, and thats unfair for you.Read over my post and start entering the items into an Excel doc. Have a column for the Name of the expense, Date, unit price, number of units required, total, and the link where you got that info. So, for a hostel in Buenos Aires for the week that you arrive, you would have Hostel Name, Your Dates, 25 per night, 7 nights, 175, and the the hostel bookers link. Time an effort and risk of planning your own trip is worth the 10,000 price difference between a trip that youd plan and the one the school wants to charge you for. 