<prompt> Human: Hey guys! I know to always take advice from strangers on the internet with a grain of salt, but I want to try and get as many opinions as I can before I make my decision. I am young 19 and pretty naive in finances. But, I like to always have a plan. Right now, Im a sophomore at a reputable in state college with a modest tuition and fees, majoring in Computer Science. The WORST CASE scenario for me assuming I only ever work a minimum wage job that only covers my food, car insurance, and phone bill; and I get NO financial assistance outside loans is that I will graduate with 28,000 in debt. All of it would be loans taken out with Uncle Sam, the highest interest rate at 6.8. Ive heard a good rule of thumb is never take out more in loans than you will make in your first year of work after graduation. The average starting salary for CS majors in my state Utah is 60,000. Does this mean I shouldnt worry about loans at all? After all, 28,000 is the WORST that could happen, and I will most likely graduate with less debt than that. But Ive heard some horror stories that make student loans out to be literally Satan. I want to make sure that I make good financial choices that dont come back to screw me in the future. I want to make sure that in a few years I can support a family.What are your opinions? Am I being foolish? Be honest, let me know. Thanks in advance.  <response>: Youre fine.Live like a cheap student for 2 years when you get out and youll be debt free in no time.A lot of the people that bitch really loudly about loans borrowed 100k for a degree in a field that doesnt make a lot of money. Ive never heard of a CS graduate with problems like that. 