<prompt> Human: I recently got accepted to an Ivy League school for dentistry. This school is my dream school in terms of opportunity and learning. That is all great and I am happy to be fortunate enough to get in, but the reality is that I am looking at around a projected 400,000 in debt by the time I graduate in 4 years.This scares the shit out of me.I will be seeking to pay this off via loans after reading about the military, I dont think its for me. I can understand that this will take a long time to pay off and I dont expect to be living lavishly for awhile. My parents are nearing retirement age so I dont want to burden them with my financial decisions, despite their willingness. I understand there are some federal loans I can apply for and some private loans with some tough interest rates. However, is income based repayment the best option? Or just taking out regular loans and paying them on a 30 year plan? For those of you who may have gone through a similar process, what sort of advice do you have? How long did it take you pay it off? How were you able to balance student debt with other costs family, car, house, etc.? What can I do to limit my debt as much as possible?Any advice would be greatly appreciated. Thank you for your time.  <response>: You need to ask yourself some questions. Do you know what kind of dentist you want to be? Do you know what that particular dentist averages in monthly salary? Will that salary allow you to service the debt in a timely and efficient manner? Do you understand that school loans are NOT dischargeable in bankruptcy?All these questions are super fucking important. These question will not be asked by your financial advisor.Can you contemplate what 400k is? 