Lori Loughlin 'very afraid' of one thing in college admissions scandal

The prospect of actually going to trial in connection to the college admissions scandal is "terrifying" for actress Lori Loughlin, and the scandal has "destroyed" her family.

In this week's People cover story, insiders shed light on where Loughlin and her husband, designer Mossimo Giannulli's, heads are in the days after pleading not guilty to all charges against them. They're being accused of paying $500,000 to get both of their daughters into USC as women's crew recruits, despite having no rowing experience whatsoever.

SEE ALSO: Lori Loughlin feels 'manipulated' by those in the college cheating scam

"This is putting unspeakable stress on her and her family," a source close told People. "They’re having to play this all out publicly, and they’re fair game for jokes and memes, but also outraged [by] people who are saying that they are cheaters."

"The idea of going to trial is terrifying for Lori," the insider adds. "Everything comes out in trial, whether or not it’s relevant to the case. She will be under a microscope, and you only have to look at the paparazzi outside the court to know that there is widespread interest in this case. She will lose every bit of her privacy, and that’s a shame. This really is a family matter."

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Felicity Huffman and Lori Loughlin arrive at Boston courthouse
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Felicity Huffman and Lori Loughlin arrive at Boston courthouse
Actress Felicity Huffman arrives at federal court in Boston on Wednesday, April 3, 2019, to face charges in a nationwide college admissions bribery scandal. (AP Photo/Charles Krupa)
BOSTON, MA - APRIL 3: Actress Lori Loughlin and her husband Mossimo Giannulli, wearing green tie at left, leave the John Joseph Moakley United States Courthouse in Boston on April 3, 2019. Hollywood stars Felicity Huffman and Lori Loughlin were among 13 parents scheduled to appear in federal court in Boston Wednesday for the first time since they were charged last month in a massive college admissions cheating scandal. They were among 50 people - including coaches, powerful financiers, and entrepreneurs - charged in a brazen plot in which wealthy parents allegedly schemed to bribe sports coaches at top colleges to admit their children. Many of the parents allegedly paid to have someone else take the SAT or ACT exams for their children or correct their answers, guaranteeing them high scores. (Photo by Pat Greenhouse/The Boston Globe via Getty Images)
BOSTON, MA - APRIL 3: Actress Lori Loughlin, in tan at center, leaves as her husband Mossimo Giannulli, in green tie at right, follows behind her outside the John Joseph Moakley United States Courthouse in Boston on April 3, 2019. Hollywood stars Felicity Huffman and Lori Loughlin were among 13 parents scheduled to appear in federal court in Boston Wednesday for the first time since they were charged last month in a massive college admissions cheating scandal. They were among 50 people - including coaches, powerful financiers, and entrepreneurs - charged in a brazen plot in which wealthy parents allegedly schemed to bribe sports coaches at top colleges to admit their children. Many of the parents allegedly paid to have someone else take the SAT or ACT exams for their children or correct their answers, guaranteeing them high scores. (Photo by Jessica Rinaldi/The Boston Globe via Getty Images)
Actress Felicity Huffman arrives at federal court in Boston on Wednesday, April 3, 2019, to face charges in a nationwide college admissions bribery scandal. (AP Photo/Charles Krupa)
Actress Felicity Huffman arrives at federal court in Boston on Wednesday, April 3, 2019, to face charges in a nationwide college admissions bribery scandal. (AP Photo/Charles Krupa)
Actress Lori Loughlin, front, and husband, clothing designer Mossimo Giannulli, rear, depart federal court in Boston on Wednesday, April 3, 2019, after facing charges in a nationwide college admissions bribery scandal. (AP Photo/Charles Krupa)
Actress Felicity Huffman arrives at federal court in Boston on Wednesday, April 3, 2019, to face charges in a nationwide college admissions bribery scandal. (AP Photo/Charles Krupa)
Actress Felicity Huffman arrives at federal court in Boston on Wednesday, April 3, 2019, to face charges in a nationwide college admissions bribery scandal. (AP Photo/Charles Krupa)
BOSTON, MA - APRIL 3: Actress Lori Loughlin, in tan at right, and her husband Mossimo Giannulli, in green tie behind her, leave the John Joseph Moakley United States Courthouse in Boston on April 3, 2019. Hollywood stars Felicity Huffman and Lori Loughlin were among 13 parents scheduled to appear in federal court in Boston Wednesday for the first time since they were charged last month in a massive college admissions cheating scandal. They were among 50 people - including coaches, powerful financiers, and entrepreneurs - charged in a brazen plot in which wealthy parents allegedly schemed to bribe sports coaches at top colleges to admit their children. Many of the parents allegedly paid to have someone else take the SAT or ACT exams for their children or correct their answers, guaranteeing them high scores. (Photo by Jessica Rinaldi/The Boston Globe via Getty Images)
BOSTON, MA - APRIL 3: Actress Felicity Huffman, center, leaves the John Joseph Moakley United States Courthouse in Boston on April 3, 2019. Hollywood stars Felicity Huffman and Lori Loughlin were among 13 parents scheduled to appear in federal court in Boston Wednesday for the first time since they were charged last month in a massive college admissions cheating scandal. They were among 50 people - including coaches, powerful financiers, and entrepreneurs - charged in a brazen plot in which wealthy parents allegedly schemed to bribe sports coaches at top colleges to admit their children. Many of the parents allegedly paid to have someone else take the SAT or ACT exams for their children or correct their answers, guaranteeing them high scores. (Photo by Pat Greenhouse/The Boston Globe via Getty Images)
Actress Lori Loughlin, front, and husband, clothing designer Mossimo Giannulli, left, depart federal court in Boston on Wednesday, April 3, 2019, after facing charges in a nationwide college admissions bribery scandal. (AP Photo/Steven Senne)
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Loughlin is also "very concerned what a trial will do to her daughters" and the effect that it could have on the rest of their lives going forward.

"It will undermine every accomplishment they have in the future and it will be part of their story forever," a legal source told the outlet. "It’s not in their best interest for this to go to trial, and Lori knows it. Because if it goes to trial, the girls will have to take the stand, and be cross examined by a prosecution that wants nothing more than to put a notch on their belt."

"Lori is very afraid that her daughters will have to testify," the source added. "That will traumatize them even more."

SEE ALSO: Lori Loughlin's daughter deletes her Instagram account amid scandal

Both Loughlin and Giannulli could face up to 20 years in prison for each of the charges against them -- mail fraud and money laundering conspiracy -- meaning that they're each facing a possible 40 years behind bars. As stated above, they pleaded not guilty to all charges after rejecting a plea deal.

Legal experts told Us Weekly that the couple had "no choice but to plead not guilty" after rejecting the deal.

"They missed the opportunity for a plea bargain during the first round, and now there might not be a deal available for them to take," the source explained.

At the end of the day, though, despite the fact that she faces years behind bars and daily public ridicule for her alleged actions, insiders say that what matters most to Loughlin is what her daughters, Olivia Jade and Isabella Rose, think of her.

"Yes, she can think about the public perception of her, but that’s nothing compared to what her daughters think of her," a People source said.

Judging by recent photos of her embracing Isabella in public, the family is leaning on one another as the scandal continues.

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Lori Loughlin with her daughters
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Lori Loughlin with her daughters
BEVERLY HILLS, CA - FEBRUARY 28: Olivia Jade Giannulli and Lori Loughlin attend WCRF's 'An Unforgettable Evening' at the Beverly Wilshire Four Seasons Hotel on February 28, 2019 in Beverly Hills, California. (Photo by Emma McIntyre/Getty Images for WCRF)
BEVERLY HILLS, CA - FEBRUARY 28: (L-R) Olivia Jade Giannulli, Lori Loughlin and Isabella Rose Giannulli attend WCRF's 'An Unforgettable Evening' at the Beverly Wilshire Four Seasons Hotel on February 28, 2019 in Beverly Hills, California. (Photo by Rachel Murray/Getty Images for WCRF)
WEST HOLLYWOOD, CA - DECEMBER 14: (L-R) Heidi Anne Pillsbury, Olivia Jade, Lori Loughlin and Beth Hayes Giannulli celebrate the Olivia Jade X Sephora Collection Palette Collaboration Launching Online at Sephora.com on December 14, 2018 in West Hollywood, California. (Photo by Gabriel Olsen/Getty Images for Sephora Collection)
WEST HOLLYWOOD, CA - DECEMBER 14: (L-R) Olivia Jade Giannulli, Lori Loughlin and Isabella Rose Giannulli celebrates the Olivia Jade X Sephora Collection Palette Collaboration Launching Online at Sephora.com on December 14, 2018 in West Hollywood, California. (Photo by Gabriel Olsen/Getty Images for Sephora Collection)
WEST HOLLYWOOD, CA - DECEMBER 14: Lori Loughlin (L) and Olivia Jade Giannulli celebrate the Olivia Jade X Sephora Collection Palette Collaboration Launching Online at Sephora.com on December 14, 2018 in West Hollywood, California. (Photo by Gabriel Olsen/Getty Images for Sephora Collection)
LOS ANGELES, CA - MARCH 24: Lori Loughlin and Olivia Jade Giannulli are seen on March 24, 2018 in Los Angeles, California. (Photo by Hollywood To You/Star Max/GC Images)
BEVERLY HILLS, CA - FEBRUARY 27: Actress Lori Loughlin and daughter Olivia Jade Giannulli attend Women's Cancer Research Fund's An Unforgettable Evening Benefit Gala at the Beverly Wilshire Four Seasons Hotel on February 27, 2018 in Beverly Hills, California. (Photo by Axelle/Bauer-Griffin/FilmMagic)
BEVERLY HILLS, CA - FEBRUARY 27: Lori Loughlin, Olivia Jade Giannulli arrives at the The Women's Cancer Research Fund's An Unforgettable Evening Benefit Gala at the Beverly Wilshire Four Seasons Hotel on February 27, 2018 in Beverly Hills, California. (Photo by Steve Granitz/WireImage)
LOS ANGELES, CA - OCTOBER 25: Lori Loughlin and Olivia Jade attend the PrettyLittleThing By Kourtney Kardashian Launch on October 25, 2017 in Los Angeles, California. (Photo by JB Lacroix/ WireImage)
LOS ANGELES, CA - OCTOBER 04: Olivia Jade and mother Lori Loughlin attend People's 'Ones to Watch' at NeueHouse Hollywood on October 4, 2017 in Los Angeles, California. (Photo by C Flanigan/WireImage)
LOS ANGELES, CA - AUGUST 13: (L-R) Isabella Giannulli, Lori Loughlin and Olivia Giannulli arrive at the Teen Choice Awards 2017 at Galen Center on August 13, 2017 in Los Angeles, California. (Photo by Axelle/Bauer-Griffin/FilmMagic)
LOS ANGELES, CA - AUGUST 13: (L-R) Isabella Giannulli, Lori Loughlin and Olivia Giannulli arrives at the Teen Choice Awards 2017 at Galen Center on August 13, 2017 in Los Angeles, California. (Photo by Steve Granitz/WireImage)
LOS ANGELES, CA - AUGUST 13: (L-R) Isabella Giannulli, Lori Loughlin and Olivia Giannulli attend the Teen Choice Awards 2017 at Galen Center on August 13, 2017 in Los Angeles, California. (Photo by Kevin Mazur/Getty Images)
BEVERLY HILLS, CALIFORNIA - JULY 27: Bella Loughlin, Actress Lori Loughlin and Olivia Loughlin arrive for the 2017 Summer TCA Tour - Hallmark Channel And Hallmark Movies And Mysteries on July 27, 2017 in Beverly Hills, California. (Photo by Greg Doherty/WireImage)
BEVERLY HILLS, CA - JULY 27: Actress Lori Loughlin (C) and her daughters Isabella Rose (L) and Olivia Jade Giannulli (R) attend the Hallmark Channel And Hallmark Movies And Mysteries 2017 Summer TCA Tour at on July 27, 2017 in Beverly Hills, California. (Photo by Paul Archuleta/FilmMagic)
WEST HOLLYWOOD, CA - APRIL 21: Olivia Jade and Lori Loughlin attend Marie Claire's Fresh Faces event at Doheny Room on April 21, 2017 in West Hollywood, California. (Photo by Jason LaVeris/FilmMagic)
WEST HOLLYWOOD, CA - APRIL 21: Olivia Jade and Lori Loughlin attend Marie Claire's Fresh Faces event at Doheny Room on April 21, 2017 in West Hollywood, California. (Photo by Jason LaVeris/FilmMagic)
WEST HOLLYWOOD, CA - APRIL 21: Actress Lori Loughlin and Olivia Jade attend Marie Claire's 'Fresh Faces' celebration with an event sponsored by Maybelline at Doheny Room on April 21, 2017 in West Hollywood, California. (Photo by Donato Sardella/Getty Images for Marie Claire)
LOS ANGELES, CA - MARCH 23: Actress Lori Loughlin with her daughters Olivia Jade Giannulli and Isabella Rose Giannulli are seen on March 23, 2017 in Los Angeles, California. (Photo by Hollywood To You/Star Max/GC Images)
LOS ANGELES, CA - FEBRUARY 16: Lori Loughlin (C) and daughters Isabella Giannulli (L) and Olivia Giannulli attend the premiere of Netflix's 'Fuller House' on February 16, 2016 in Los Angeles, California. (Photo by JB Lacroix/WireImage)
LOS ANGELES, CA - FEBRUARY 16: Lori Loughlin (C) and daughters Isabella Giannulli (L) and Olivia Giannulli attend the premiere of Netflix's 'Fuller House' on February 16, 2016 in Los Angeles, California. (Photo by JB Lacroix/WireImage)
LOS ANGELES, CA - DECEMBER 10: Actress Lori Loughlin and Olivia Jade Giannulli attend the Premiere of Awesomeness Films' 'Snervous Tyler Oakley' at the Regency Bruin Theatre on December 10, 2015 in Los Angeles, California. (Photo by Jesse Grant/Getty Images)
LOS ANGELES, CA - NOVEMBER 17: (L-R) Patricia Riley, Bailee Madison, Lori Loughlin, Olivia Giannulli and Isabella Giannulli pose for a photo prior to the World Premiere Screening of 'Northpole: Open for Christmas' at The Grove on November 17, 2015 in Los Angeles, California. (Photo by Joe Scarnici/Getty Images)
BEVERLY HILLS, CA - JULY 29: Actress Lori Loughlin (R) and daughter Olivia Jade Giannulli attend the Summer TCA Tour - Hallmark Channel and Hallmark Movies And Mysteries at a private residence on July 29, 2015 in Beverly Hills, California.(Photo by Jeffrey Mayer/WireImage)
LOS ANGELES, CA - NOVEMBER 04: Lori Loughlin, Isabella Giannulli and Olivia Giannulli arrive for the Hallmark Channel Presents 'Northpole' Premiere Screening at La Piazza Restaurant on November 4, 2014 in Los Angeles, California. (Photo by Gabriel Olsen/FilmMagic)
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