If you are a Cow, Firstie or the parent of one: Did you or your cadet take the Cow loan? If so - what do you plan on doing (or did) with the loan? If you are a newish grad or the parent of one: Did you take the loan and if so - are you glad you did or wish you hadn't? If you did not take the loan - are you glad you didn't or wish you had? What did you do with the money?