A 200k loan w a 10 yr term, @4.5% interest, translates to over $2000 per month payments.
Think of how hard if would be for your parents to put aside $2000 every month. And think of all the things you’d rather be doing straight out of college with $2000 a month. A lot of people don’t spend $2000 per YEAR for a vacation, mortgage or car payment, but you’ll have to cough it up every MONTH.