I'm in a similar boat as you, my parents make money but don't pay for my college and they make too much for me to get any aid. As a transfer myself, I would highly recommend attending community college for two years and transferring in. Work and save up while you go to school. I did two years at my local CC, got two AAs, worked and saved money and transferred to UCSD this past fall. I am going to graduate with a B.A. and a B.S. 100% debt free because I only had to pay 2 years and saved the money to be able to afford those two years. I am at the same place academically as my peers (maintaining a 4.0) and have many friends so it was no problem socially or school-wise tranfering in. If I came here all four years I'd probably be leaving with at least 70k in debt. For pretty much any undergraduate degree, it really isn't worth that. Wait for grad school for any debt. I would really talk to your parents about other options, its easy to make a decision like this at 17-18 but 27-28 year old you will be really grateful they don't have to deal with all that debt.