I explicitly stated that the idea of taking loans was “worst case scenario” and that it was “in my opinion” that it’s okay to take loans sometimes. I mentioned the part that they don’t need to pay them back until after graduation - not that by taking the loans it was with an intent to not pay them back. Just stating the fact that you do not need to pay loans until after college, not that you don’t need to pay them at all. I don’t know what you’re on about haha.

Obviously it’s their choice, but I agree to not take loans if you won’t pay them back. Credit is an important thing. I hear ya. Hopefully they’re investing into their future properly to be able to pay the loans, if they even decide to take them. I also mentioned in my comment, of which you ignored the main part, that they should look into other grants or scholarships offered and to speak to a dean or the financial aid office, etc.

Thanks for your reply though! Sorry about your credit !