<prompt> Human: I am going to be a freshman at university next year. My family doesnt really have money to pay for my college so they will be taking out the Federal Parent-PLUS Loans. I will be taking out about 19,000 in loans every year and will be leaving college with about 100,000 in debt. Is this to much?  <response>: You will regret having 100k in debt. You need to find a cheaper option. 