That’s good then. It sounds like you’ve put a lot of thought into this (you’d be surprised at the sheer number of people who post here who don’t think about any of this). You probably already can have an estimate on what the monthly payment will be on those loans; the issue with all that debt is that it can limit your future opportunities. Because it will suck up such a large percentage of your disposable income for years after graduating, you might have to make sacrifices in areas of your life that you value more. I think the advice already given is the best that you’re going to get; no one is going to recommend that you go with the $200K of debt option.