No, I haven't started...I haven't even gotten my financial aid award letter yet!
I might not take out any private loans..I really don't want to be too far in debt. My partner just graduated law school and has 100k in debt and I already have about 45k from undergrad, so I don't want to borrow too much! I'll be working part-time and bringing in about $1300 a month and with her salary, we can squeak by without loans. If we can't, I can always apply later...we'll see.
Luckily I'm able to get on her health insurance, so I won't have to worry about that!