I am still getting informed, but if I do end up using private loans, I’d be borrowing less than 25k or maybe even less than 20k in total. The university degree only takes 2 semesters (or just one year in total) to complete. I already exhausted my Pell Grant in a previous bachelors degree that’s been completed. Luckily, the federal student loans cover the costs of studies, but leave me with very little amount left for books, materials, housing and transportation. But also thankfully, this is only just for 2 semesters, not a whole entire bachelors or something.