I am currently in my second semester at a university with a small physics department (4-6 professors, 40 undergraduates and 0 graduates). It’s cheap enough that if I stay here till I graduate I probably will have no debt or maybe 1-2,000, but I’m considering transferring. Right now I have about 3 options: 1. Stay where I am and graduate from a small university with close to no debt (I’m living at home – yes I know its lame, but it’s about 6,000 less a year that I have to pay :-) ) 2. Go to a school with the best physics program (out of my choices) where I have several good friends at and is close to home but end up with about 20,000-30,000 in debt. 3. Go to a school with the second best physics program and live with my brother and his wife and newly born kid (to help make living cheaper), but know no one but them in the whole city and have little to no debt depending on how much my brother wants for room and board. In either case I currently have no scholarships (had a poor education from my high school) and my grades are a bit above average and I hope to end this semester at or around a 3.5 GPA with which I was hoping I could apply for a few scholarships at whatever university that I go to. Also I am planning on going to get my masters and possibly my PhD if I’m up for it by then, my second and third chose both have good masters and PhD programs as well. This is also my first post so I hope I’m not confusing or too long here.