up to $20K? that’s gonna be tough to get a degree.
I think there’s a rule of thumb for how much to borrow: The amount borrow should not exceed the expected annual income for the first few years.

I borrowed $225,000 for school. Very glad I did. Would definitely do it again. Wouldn’t be where I am today without this loan.

I wouldn’t borrow for some lib art degree but for a practical field, it’s worth every penny.