I know how you feel p.savage. I often get sarcastic remarks. But this time i think your getting really good advice. People on here may sound sarcatic to you but these decisions can affect the rest of your life and ppruners just want to give you al the facts to help you make the right decision.
I myself will most probably apply for a loan in 2 years after college and i know how i would feel if someone tried to tell me not to follow my dream but like i say, ppruners just want to make sure you know whats ahead.
Best of luck mate, i wish you success for the future, follow your dreams, wherever they take you.
Cheers