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Honestly, if your parents are willing to pay for you joining the greek system, I would let them. Taking out a loan is a really silly thing to do, just to be involved in greek life here. I would try to avoid taking out loans for anything other than necessities. So talk to your parents or grandparents and see if you guys can work out a deal. Maybe one where you pay them back when you're older rather than a bank. It's a safer way to go about things for sure.