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I'm a pell grant recipient and I'm in a sorority. It's not easy. And honestly, it's not smart. I shouldn't have gone through recruitment at all, and I have really struggled to pay for the cost of a sorority, even with a LOT of loans. But I really, really wanted to be in a sorority and now I can't imagine not being in one.
Are your parents helping you at all financially? Mine refuse to pay for anything other than Christmas presents. If yours are giving you some help but just can't dole out the thousands it costs to go to college, it may be more reasonable.
If you can get federal loans, do it. Private loans are much higher interest and will haunt you for 20+ years.
My sorority has house fees AND dues. I can use my loans to pay the house fees because they are part of my room and board (this is probably more legitimate now that I'm living in the house, but liveouts still pay for meals there, which would be considered "board"). The dues are only a couple hundred dollars per semester and can be paid with a good old fashioned job.
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