@imthereal: I do not know how any person can justify going in debt for $220K just for undergrad, unless they are independently wealthy, which OP has stated his family is not. UCLA will give OP little or no FA, so how would an undergrad with limited funds get loans to pay for this education? OP will only be able to take out $27K in loans over the 4 years. The rest would be up to his parents and they may not even qualify for that large amount. How will OP pay for Medical school, when his and his parents already have $200K+ debt before he even starts? These expectations are unrealistic. We need @WayOutWestMom to chime in. She seems to be the expert when it comes to Medical School wannabe’s.