I want to go into IB but my parents say that taking out 150k in loans for NYU-Stern is worth it but i wouldn't be able to change my major and there is no guarantee that this is what i'd want to do. I think it is but there is still a chance that it may change. Is it worth it, if i think i want to go into IB?
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No, definitely, definitely, definitely don't go to NYU then. Maryland's a decent school, you can get IB from there if you work hard, and it will be way more fun.
I go to Stern and even though my family can afford it, too many times I've found myself wishing I had gone to my state school. I know that maybe I'm falling for the grass is greener thing but there's no doubt that money saved is money saved. I felt a certain pressure to go for ib to "make back" what school cost and it definitely took a toll on me mentally while recruiting, on top of the pressure that recruiting is on its own. That said, there are good things about the opportunities that stern and being in the city have -- but to a large extent i've felt i gave up the traditional fun things about college to work and focus on pre-professional stuff. I applied to umd as well and didn't go since it's not my state school but it would be good to try to get opinions from kids there too