i'm taking out a loan. i had HOPE for the 1st 2 yrs, but my grades slipped too much after that & lost it. my parents help out w/ the rest & don't expect me to pay them back. my dad told me that if i kept HOPE till i graduated, or at least got it back before i graduated, or graduated w/ a 3.0 or higher, then he & my mom would pay off my loans when i graduated, so it would be like i got a free ride. unfortunately, i'll only be able to make it to a 2.9. my bf's parents were paying for his & expect him to pay them back for EVERYTHING (they keep tabs on tuition & fees, housing, & even food money that they gave him). they stopped paying for him to go this semester b/c they couldn't afford to since his dad got laid off, so he had to take the yr off to work. i lucked out, though. after my freshman yr, everyone who goes to a college gets a tuition increase EVERY yr till they graduate. idk if that's for the whole state of GA or just my school, though.