<p>To start with, you can’t borrow $20K on your own for each year as an undergrad. You are limited to the maximums for the federal loans ($5,500 freshman, $6,500 sophomore, $7,500 junior, and $7,500 senior year). Anything beyond that will require a credit-worthy co-signer who will be on the hook for the money if you can’t pay it back. Or your parents will have to take out PLUS loans that only have their name on them.</p>
<p>So yes, Davis might not be affordable. Run the financial aid packages here, and talk with your parents about how you are going to come up with the money: <a href=“Award Letter Requirements - Finaid”>Your Guide for College Financial Aid - Finaid;
<p>Right now you want to become a surgeon. Even if you do achieve that goal, it will be many years from now. With the increasingly managed nature of medical care in the US, it is not possible to safely predict what your income could end up being. So yes, you could find out that it is extremely difficult to pay down the med school debt. Don’t take on any debt for your undergrad if you can avoid it.</p>