by any means, i am no expert in these kind of situations. but whenever it is decision time, i have learned, through the hard way, that it is your mind that you should listen to. definitely, relationships are important and they should be given the first priority. but at the same time, finance is something that cannot be overlooked. if you move out of state, and your SO will continue to remain your SO, then settle for the less-loan deal; because it's all about planning right for the future - both academically and financially. or, if you and your SO agree to clear off the loan after you finish your studies, then staying in the same locale might be better. however, no one knows the future. in case something comes up between you two (god forbid from this happening), then you might be left with more than you can handle. so please weigh your options, and act carefully. it's tough, but i am sure you will make the right move.