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With $200k in loans, unless you get a 6-figure salary right out of college, which is unlikely for an art major, banks will not loan you money to buy an apartment, a house or even a car. Please read this article and if presented with the choice in April, think really carefully beyond the next 4 years: <a href=“http://www.nytimes.com/2010/05/29/your-money/student-loans/29money.html?pagewanted=1&src=me”>http://www.nytimes.com/2010/05/29/your-money/student-loans/29money.html?pagewanted=1&src=me</a></p>