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Having worked for mostly state owned colleges, I know about needlessly complex paperwork. If it gets you a cheap loan, then you should do it. Doing needlessly complex paperwork will probably become more and more common as you advance in life.
It's good that you're checking it out, but don't the couch or the paperwork (or the classwork) deter you.
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I think the Apocalypse is happening all around us. We go on eating desserts and watching TV. I know I do. I wish we were more capable of sustained passion and sustained resistance. We should be screaming and what we do is gossip. -Lydia Millet
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