My girlfriend and I are undergrad seniors at NYU and we rent a townhouse in Manhattan. I have a full scholarship, so I don’t have loans. My girlfriend has $66,000 in debt, and took out $18,000 this year. Our rent combined is $3,400 a month for December- May. Can she get a $20,000 loan at a 0% interest rate, defer it until after graduation and pay it back. The reason why I can’t take out the loan is cause I’m a finalist for the Marshall Scholarship and I plan on studying in the United Kingdom. I’ll be away from the US anyway, so I don’t need the debt. My girlfriend wants to go to medical school would cost her $200,000, so at that point her level of debt would essentially become a magical number.