re: Did anyone here take out loans to go to college?

No. I'm super grateful that my parents paid for four years of college. Did the same for our oldest although it wasn't a huge amount as he had TOPS and a scholarship that is still continuing into his grad school .. Also at this point has an assistantship so our contributions are less and along the lines of car insurance and cell phone.

Our next child will graduate in May and will likely live at home and attend ULL with a scholarship that is looking awesome right now. Not half of the tuition but at this point it's entirely way better than nothing.