That's approximately my student loan amount for 4 years of school (started in September 2005 until my last exam in December 2009) with 4 courses per 4 month sem

That's approximately my student loan amount for 4 years of school (started in September 2005 until my last exam in December 2009) with 4 courses per 4 month semesters (full load with volatile major changes so ended up taking whole range of stuff I was just interested in). I'm sure there's other costs like eating cheap food, long commute ,opportunity cost, and mental health cost.