<prompt> Human: throwaway because personal information.Im an 18-year-old whos going to NYU to major in finance at the Stern school of business. When I got in, I knew it would be a burden on my family and planned to go to a state school, but my dad who always wanted me to become an investment banker and was pleasantly surprised I got into a prestigious target school like Stern encouraged me to go anyway.I am extremely worried about this financial burden. I got only 5k in financial aid. All things considered tuition room etc. one year costs 75k total. My dad told me he will be able to give me 70k for the first year, money he has been saving up his entire life. He also has some company stocks. He says that if I get a good GPA my freshman year, hell sell his stocks to finance my sophomore year. However, this is when the money runs out. He has nothing left after this except for his retirement savings WHICH I DO NOT WANT TO TAKE FROM HIM, and I will have to take out 150k for the remaining two years total.I am starting college in two weeks and I am extremely worried. Does anyone have any advice? I plan to work part-time, and know that many people at Stern majoring in Finance get high-paying Wall Street internships both during the summer and the school year. Is 150k an amount I can feasibly pay off if I get a 90k-100k salary upon graduation, while also living in NYC? What advice do you guys have for someone whos hoping to save up for retirement who also will need to pay back loans and live in a high-rent area?tldr: will be taking out 150k in loans and will need to pay it back while living in NYC.  <response>: Hmmm. Heres the reality - how good are you, seriously?If you graduate in the top 50, youll land a job earning 80-100K and should be able to climb quite quickly. Meaning, as long as you understand youre taking on a 5-10 year burden, you can pay off your loans. But if you doubt your ability to perform, rethink your strategy. Graduate in bottom 25 or so, and you might not get a great job, especially not one directly out of college.So use your freshman year as a tester for how well you do. Take the freedom your father is providing to focus on ADJUSTING which believe me, is a big part of success. If you do well freshman year and have adjusted, then I recommend you stick it out AND get a job. I worked 20 hours a week going to an ivy league school and was able to make about 1,000 a month on that alone. Add that to side gigs i.e. the hustle and I was paying off about 50K a year in my loans. Whats realistic for you? You should be able to offset 10-20K of your loans per year if you work hard. But this benefit is only worth it if it has no impact on your school performance.Also remember you can work summers full-time I worked at a ghetto as a janitor but the pay was insane - 22 an hour and this was years and years ago, plus overtime of 33, and you can fuck around senior year IF you secure your job junior year. All these things can add an extra 10-20K off per year.It all comes down to a how well youll do in school, b how comfortable you are with debt its horrible, and c how hard youre willing to work during school. 