<p>Omg…that’s it? Yes, that’s a lot of money. But geez, live in PA. That’s a drop in the bucket. 12k a yr. I feel for you, but if you graduated with 40k total in loans that’s unusual? Probably not. My S will have at least 30k. And we parents will have a loan too. It is what it is. We live in possibly the worst state in terms of college tuition costs. You are not in such a bad predicament. Join the club.</p>