>>>If both college and medical school are entirely on student's expense then total cost could be more than $250,000 for good institutions.
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>>Yep, but you rarely get loans for the total amount. In fact, that should never happen, since anybody who needs financial aid for the full tuition should be getting at least some of it as grants.
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>What if someone (i.e. parents) is not qualified for financial aid? It may happen that not all sum goes to debt (loans), but it will be paid anyway.

Well, if the parents are unwilling to pay at all, typically the student can become independent and get aid on that basis. I'm sure there are some students bearing the full weight of tuition (especially older students), but it's not the bulk of them.

Tamar