120k would be the total cost. I do have money saved, yes? So 60k, the number you quoted earlier, would be the amount of loans I’d need to take out. Say I can put away 20k each year, like I’ve been doing recently, into the debt. By the time I graduate, there’d only be interest left to pay. And that’s not even taking into account the ~20k I’ll set aside this year. So taking that into account, I’d be debt free by the time I graduate.