As others have said, colleges usually pad the COA with a books, travel, misc expenses amount of several thousand $s. You can probably spend much less than that. Some of those costs are for things you’re paying for now like toothpaste and takeout pizza.
One other factor though is health insurance—if they require the college plan or you need it, make sure you understand the costs and whether FA will help.
But I agree with others that the amount of debt you’re talking about is quite reasonable and not something I’d worry too much about.