I've been contemplationg about forgin exchange and looking at TWU I was really excited that after so long of tryng to find some sort of exchange program I found a decent looking program. Although I had my doubts about it at first, reading the experiences of some of those who've gone through with TWU has terrified me too no end. I already have the money to make the entire payment and I really want to go but now I'm not so sure. What should I do?

Don't expect so much... if you want new experience, and money is not an issue then go, BUT if you can't stand hardship, and money is tight, then save it and just continue with your education. It would be hard when things go wrong...