Private loans or no?

So I got into an MSW program in my state for fall of 2025 but had to defer my enrollment until fall of 2026. I only will be able to secure $20,500 for the year in federal loans because grad plus loans are no longer available. To be able to afford housing I will have to take out a $15,000 private loan that once I graduate will have accumulated to $39,000 and will require $304 month. It's the only private loan I can qualify for since I don't have anyone to cosign for me. Is it worth it to take on this debt to attend school in person or should I ask about switching to their online program?