Good thing I got a free ride through community college and I'm (attempting) to save up money for college. I have enough to in cash and in a scholarship to pay for most of a semester, but I'm not sure if I should take out a loan anyway and use the money I saved as backup for books (since I know I'll have to take out a loan for school regardless) or pay as much as i can upfront and take out a loan when i need it next semester.