Subsidized loans cap out at $23,000 for all four years. After that you're taking private loans at high rates. A relative was quoted 9.9% for most of his loans w

Subsidized loans cap out at $23,000 for all four years. After that you're taking private loans at high rates. A relative was quoted 9.9% for most of his loans with a strong-credit adult co-signer, and that was well before the recent interest rate hikes. https://studentaid.gov/understand-aid/types/loans/subsidized-unsubsidized https://studentaid.gov/understand-aid/types/loans/subsidized...