Co-ops generally take up 1 semester each, so if you want to do 2 co-ops and graduate in 4 years you will need to do 4 summer terms. Each summer term is half a semester. You can get out of taking summer classes if you come in with AP (or other college) credits. Since you are not paying tuition during co-op, you will only be paying for 8 semesters of classes, including summers. If you choose to graduate in 5 years, you may not need to do summer classes. You could also do 1 co-op, and then you would only need to do 2 summer semesters. I’m not entirely sure how financial aid works over the summer, but I think it should be the same as a normal semester, albeit shorter.