my parents can pay (out of pocket, without loans) $45k a year. If ucla is $60k a year, that means i’ll have to get the remaining $20k (that my parents won’t pay out of their own savings) with loans. of the remaining 20k per year, i’ll have to cover it through federal direct subsidized, federal direct unsub, and parent plus. but these loans will be repaid by me, not my parents.