OP should absolutely not take this much in loans.
But for students who need more than the $27K in federal direct loans, typically their parents have taken parent plus loans (which previously had been unlimited (up to kid’s COA) but starting in July 2026 will be limited to $20K per year/$65K total undergrad per child.) I expect the market in the US will step in with offerings that replicate how parent plus loans used to work.
There are also some companies that will loan money to students without a co-signer, but interest rates tend to be high, like 12%+. Ascent Funding, a CC partner, is one of these companies.