<prompt> Human: I am a HS senior planning to take out loans to attend college. I dont know what the amount will fully be, but I expect to take out between 15k and 20k in federal student loans. Im already very worried about paying these off. Im not afraid of hard work, but I would love to attend grad school after college.Ive heard the extreme stories, but I want to know how bad it really is. For those of you who borrowed like I plan to, what was your experience with these- emotionally and financially? Do you regret borrowing so much would you have gone to a cheaper college that is not as catered to your interests?I already have summer work and will apply for outside scholarships during a gap year. Any other advice concerning loans for a high school senior?  <response>: Any other advice concerning loans for a high school senior?Loans arent necessarily a bad thing - the people that have the worst time are those that take out a bunch of loans for a useless degree. If youre earning an employable degree then loans are more of an inconvenience than a future-ruiner. 