A cynic is a man who knows the price of everything but the value of nothing.-O.Wilde
Whatever your financial obligation, you should order your thinking to consider scholarships/grants, then government loans, then private loans. For all of these sources your search should begin at the financial aid office. Ideally, you should make an appointment to speak with a financial aid officer about your options (often summer is a good time to do so when they're less busy). Before doing so, go online and/or buy one of the several publications about paying for college and learn about the scholarships available, what "Pell" and "Stafford" mean, etc. Don't do anything until you meet with the financial aid folks, though. They're the experts and can counsel you appropriately. Also, your financial aid office is likely to have links to or at least knowledge of various student loan programs. And don't forget options like work/study (or, if a graduate student, think "assistantship," which may waive tuition, provide additional money, and perhaps gain significant experience or connections with faculty). Remember, free money first, then government loans, then private loans, but of course you will likely have a part-time job in there somewhere as well. Once you get the options from the financial aid office, take some time to consider/discuss the information, then jump into debt if need be. Go to the best college you can. You'll pay the loans off in a few years; the benefits of the best school will be with you forever.