@saniel Just my opinion: I don’t think that you can afford this. I do not think that it is worth it. Rutgers is a very good university and since you are in-state would be a lot less expensive. Spend the big bucks when you are looking at a master’s degree program.
Whether your comment is off-thread or not is of course an entirely different question. Your comment does seem to address the initial question of “how do people pay for college”.