<prompt> Human: Im using a throwaway because I just dont want this associated with my account, Im honestly panicking right now. The college is RIT, and Ive visited it multiple times now. I applied for Early Decision because they have a friendlier version of it that would allow me to back out if the financial aid wasnt enough. I got the acceptance letter mid-December and later got the financial aid letter near the end of December. In short, theyre only offering me 46k a year, only 38k of that is gift aid, the rest is loans, and Id be expected to pay about 12k a year if I took the loans offered, 20k if I didnt. This is my dream college, and Im planning on going for Computer Science, but my estimated family contribution is 0, and I know I wont be able to deal with 80k in debt plus interest. I dont know what to do, and my decision is due Feb. 1st. Any advice would be welcome, please.  <response>: Something you should be considering: an EFC of 0 can get you very low tuition at a state school, if there is any left for you to pay at all. Comp Sci is good, but 80k is still a high amount of loans for the BS. You really need to pinpoint what RIT is going to give you that might be worth the price tag. 