Choose the Lesser of Two Evils
The education is very expensive nowadays and some people just can d nothing, but take the educational loans. However, before taking a loan, I recommend you to check whether you are able to receive some other financial aids. The most profitable type of the financial aids is grant, because you do not have to cover it and to make overpayments as it happens with the loan. You can check whether you are able to receive a grant or not if applying to FAFSA.
If you received a refuse with the grant receiving, do not fall into despair, you still have a federal educational loan. Federal educational loan is aimed on helping students to receive a degree they are dreaming about, that is why the overpayment is not very big within the federal loan due to the act that the interest rates are rather low.
However, if you failed to receive the federal loan, I recommend you to take a private loan. As they say choose the lesser of two evils. It is better to make great overpayments because if the loan than to remain without the education at all. However, try to chose that private loan where the interest rate will not be as high as the sum of money you are going to receive.