Answers:
You've left out some important details: where are you at school now? Which school is this new school? And what is your major?
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If your new school is really one of the elite schools, and if it ranks far above your current state school, then to me, it would be worth it for you to transfer. And when you talk about this being one of your dreams, I say go for it. Again, so long as the new school is very, very good.
Say, right now you're at Framigham State College, and you just got into Harvard. I would kick you in the a...
Excuse me.
It would be in your own best interest to attend Harvard, despite the expense. Your opportunities coming out of Harvard are going to far exceed those from Framingham State.
But what if you're comparing U Cal Berkeley and Harvard? That's a different story. Although Berkeley is public, it's highly respected. Likewise, what if your major is very highly ranked at your current university?
You need to compare your current university with the new one, and make your decision based, in part, on what opportunities the new school is going to open up for you. Because if it's one of the elite, then that can really do surprising things for you. And if you've always wanted to go there, and think it'll be a good fit, and are excited... Then there you go.
Because if this is Harvard or the like, and you do some interships or co-ops, get a bit of experience, join some clubs, get good grades, etc., then you could very well come out of there with a fairly high powered degree.
Find an alternative loan, hey I am up to debt close to 60,000 but I have a master's and working on a P.H.D. I would find another lender, check some private loan websites. I took out a private loan for my master's with 8% interest. The best bet is ask a employer what school is more accreditable in your program the state school or private school.
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