@JustOneDad, When I had my first real job, I did not carry any debt, unlike my child. Except for the mortgage, I have never had such a large debt, unlike my child. It may be my unrealistic wish that he could also start his first job without such a heavy debt burden - after all, we have always been a one-income family. (So our wish may be unrealistic.)
In recent years, we started to pay more attention to growing our nest eggs for our own retirement rather than kept pouring our income to his education. So we are not too unrealistic about what we should do at each stage of our life.
However, we have a mixed feeling about whether he should get some loans in the coming / final year when he only needs living (and traveling!) expenses – He will not need to pay for tuition and fees for his final/5th year due to his school’s “special” system. We have kinds of “promised” him to not let his accumulated student loans to exceed 6 figures. Getting additional loans could break our promise to him (we may care about this more than he does.) We should not have made this promise we may not be able to keep! (thus feeling “guilty” about not being able to keep the promise.)