Ok, Is this a common thing? My Financial Aid package came today, and I will need about $20,000 in loans per year to cover my tuition. That's $80,000 dollars by the time I graduate. My mother said that that's insane, because an Undergraduate degree is basically worthless (she has a Master's). She said she didn't even rack up that much in graduate school, and that that's more debt than someone who doesn't attend graduate school after undergrad would be able to easily pay off. My question is if this is fairly common. Are many of you racking up that much in loands just for an undegraduate degree?