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I would really advise against taking out loans. It's just not a good idea in the long run, especially if they're going to be in your name. Having $32,000+ in debt the moment you graduate college is just too much stress for anyone in my opinion, if it's something that isn't necessary. Don't get me wrong, I love my sorority, but if you can't pay for it yourself or your parents won't pay for it, I wouldn't sacrifice your financial future just to be in a sorority. Maybe work During your freshman year and save up and then rush as a sophomore.