<prompt> Human: So, Im transferring to this nice 4 year college with my AA and I currently have about 30k for the rest of my education. They, my college, is offering about 22k in loans for just one year. If I dont accept the loans, I will have to pay for all my class expenses out of my pocket. Isnt it just smarter to accept a small amount of loans? Like maybe 5k?  <response>: The less you have in student loans the better. Just keep in mind what your debt will be once you graduate and if your future job will suffice in paying them off fast enough to not cripple your bank account. 