Should I avoid borrowing money for university if I have a cheaper option?

You do not necessarily have to avoid the more expensive university, but if a cheaper option can adequately meet your goals, borrowing heavily to attend the more expensive one should be considered carefully. Compare the total cost, including tuition, living and commuting expenses, and interest, as well as the expected repayment amount after graduation and differences in the courses and support available. Check whether repayment would be manageable, and consider scholarships, grants, and other funding plans while preserving room in your household budget.