I've been to community college for 5 years now, everything was paid for by state, and I even got money in return. Finally moving on, I'm going to an out of state private college. After some rough calculations, I'll be taking out loans for approximately 20k a year for 4 years... Am I screwed? With tuition and fees, my scholarships and grants cover half. I'm going to be going to Cleveland Institute of Art in the fall for Industrial Design. I've been spoiled, never took my finances seriously, this is a whole lot of money. So let's hear your story, what you got out of it, was it worth it? Are you still in debt. Which college, what major? Tips for others?