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I would still say that if you’re taking out a $50k or $70k or whatever loan for tuition, joining a sorority should be the last thing on your to-do list. Putting that money towards tuition each year is a better use of your family’s money and will make your monthly payments considerably lower when you graduate. Sorority is a college luxury item, not a “need” like tuition, room, board, books, & fees. Future scholarships (if you didn’t get a merit or financial aid package for your freshmen year) get more rare and smaller in dollar amount. They are also usually contingent upon you making a 4.0 or close to that which again will take a lot of time studying if you are trying to balance school, work, and sorority.