<prompt> Human: So I am an incoming freshman at a top 10 US university. When I was going through the application process, my parents urged me to disregard money as a factor, saying that the finances wouldnt be a problem. Under that assumption, I selected my current institution. After financial aid grants the total cost will be around 25k, which I thought at the time was rather generous HHI 200k. Keep in mind that my original award left a 50k cost, but my parents appealed it. However, today I found out from my parents that they would not be contributing anything towards my cost, but wanted to cosign a loan instead. This floored me, since Im pretty sure they have enough money to pay for it, but simply want to delay the payments I think. Ive read enough about the student loan crisis to know that I really dont want the loan. Do I have any other options other than accepting the loan? If I had known that this would happen, I would have chosen a cheaper school.  <response>: Whats your major, and what are the future job prospects?STEM? 25k is no problem, and would not stop me from attending top 10 school.You arent posting enough information here to get anything other than knee-jerk responses about avoiding student loan debt, or going to school because its a top 10 institution. Sit down and talk to your parents. Do NOT do anything silly like drop out of school - there are deadlines in the first month of the semester for withdrawing and getting someall your money back. 