My D only took out the subsidized government loans during undergrad. There were other unsubsidized loans offered. I told her to not take those. I refused to take out a parent loan or to cosign loans for her.
She worked 20+ hours a week at a pizza place and usually took 18 credit hours. She completely paid her own way and expects to repay her loans once repayment starts when she is done with med school.
I am hoping to be able to make the payments on her undergraduate loans while she makes the payments on the med school ones.