oh.. yeah... one more thing... the loans really should go to you, and as such they'd get deferred until you cease being a student (i.e. typically no interest until about 6 months after you graduate, or longer if you decide to do post-graduate stuff).
but 100+ grand in loans doesn't seem like a good thing for someone coming out of college.
Give a man a fish and he'll eat for a day, teach a man to fish and he'll drown because you forgot to teach him to swim.
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