<prompt> Human: Im pretty sure Im either dumb or just havent figured out why an average ungraduatebachelor degree debt is about 30-36K nationally within in the US. Im going to a in state university that also has an average of 29k in debt. Ok...I get it. However, the cost of attendance is 27K per year! Wouldnt that be like 108K in debt and probably even more because of interests? I just dont get why the national average for a bachelor degree is 30k in debt? Shouldnt it be about 100k? Im talking about students who attend In-state schools, no cc college, and no scholarships.I have no scholarships or any kind of aid from fafsa. I have three types of loan in order to pay my attendance. It is also important to know that my dad makes about 70k per year. Which didnt allow me to get any kind of special aid from fafsa. My parents are in horrible situation right now, with loads of debt. We are barely making it through and I dare not use my parents money to help with my loans.Right now my loans are looking like this per year:Fed Direct Loan - Subsidized total: 3,500Fed Direct Loan - Unsubsidized total: 2,000Fed Direct Parent PLUS Loan total: 19,000. Total Loans: 26-7KI contacted with the school financial advisory and they said that I would get about 80-100K in debt if I were to choose a private loan. However, they didnt quite tell me how much I get in debt if I were to go in the government loan route which is posted above. Im just really confused and I have to make a decision in about a month. Any kind of help is appreciated!edit: Also, I would also appreciate if you could also suggest some ideas on how to get my debt about 30k rather than 100k. Because its strange and quite new to me, my school has an average 29k debt for each student who graduates here. Im really intrigued how they did it.  <response>: Most people dont borrow the whole cost.Even if you only made 10Kyear work-study and summers, that would reduce the total by 40ish. 