<prompt> Human: Ive been applied to the college Im planning on going to for almost two years now but Ive had to push it back because I just havent been able to afford it. This year I had the option to take out a direct subsidized loan and a direct unsubsidized loan, totalling about 2750 per semester. However reading up more everything I seem to see is telling me not to take out student loans, my gut is really telling me not to take them. I have no other options to cover the extra costs for college, but I really dont want to go another year doing nothing productive with my life. Its too late for me to get more scholarships this year. Do I have other options?  <response>: So you list three mutually contradictory goals constraints.- no loans- no other options- dont waitWhile there are probably always other options, e.g. find a generous benefactor, or luck into a tuition-free situation, its almost certainly the case that taking loans of 2750semester is going to be the most practical approach to getting your schooling underway. The question would be whether that is enough money. Its also probably also the case that you could earn that much money in other ways, by working 50 days at a minimum-wage sort of job. 