<prompt> Human: I am a high school senior, about to go off to college. Ive done plenty of planning for my financial future and getting as much aid as I can. Ive calculated that at this point, getting my bachelors at my private will give me around 25k of student loan debt. Of course things will change and I may take more loans in the future, but this is just an estimate for now. It also doesnt include graduate school. Basically Im going to be in debt out of school no matter what and thats still settling with me.What baffles me is how some people rack up around 100k or more of student loan debt as undergrads and grads. Maybe I can kind of understand graduate loan debt. But how is that even possible? How can private lenders give more loans to someone with such an outstanding amount debt or just give someone so much money in hopes that theyll pay it back? How does this situation happen? How can I avoid this?  <response>: I have 111k and an MS in engineering. I call it the cost of class mobility. My parents didnt go to college couldnt afford to help at all, but hopefully I can support my children to prevent more loans. I could have been smarter about it and went to the cheapest school, yeah, but I was 18 and didnt know what I was getting myself into. I dont completely regret it. 