<prompt> Human: Im going back to college and want to know what I should look out for when taking out loans. I am not too concerned about them because I plan on getting a job in a growing industry that will pay me enough to pay them back after I graduate. Other people seem so concerned with loans though and I dont know why. I was just hoping I could get some advice on the subject.  <response>: many students and their parents look at as free money and some run up 100,000 plus level of debt and more to get near worthless degrees and then wonder where they went wrong... 