thanks miyamoto81, its a rational argument you pose and it's what I think half the time. then just when I think it should be clear based on finances, someone convinces me that I should go with my gut and that "school debt" is different and there are ways to deal with it. part of me thinks that it is meant to be that I waited this long to go to school because I would have never applied to VCU when I was considering this before. RISD knows of my options, so I do plan to wait and see what they off in the formal acceptance and go from there. Of course by then I will only have a few days to commit to VCU but hopefully I can have it sorted. VCU is indeed a really good school, and I really enjoyed my exchange with them as well. I want to come out of this with decent teaching options, and there are a ton of RISD alums teaching in great places.