I'll be starting my undergrad this fall. As of now I will probably start majoring in physics. Nonetheless I expect to stay within the area of science. If I've done the math right I'll probably have 43K in debt. Of that 43k, 8k is federal unsubsidized loans with 4.29% interest rate, (will accumulate interests starting when I take it out), 16k is a private loan from my school, and it will not accumulate interest while I am at my undergrad school (4 years) but will begin to do so when I leave. 19k is federal subsidized loan with 4.29% interest rate, which will not accumulate interest until I'm done with school altogether (undergrad + possible phd). If a PhD is a possible path I am considering, is this amount of debt feasible for a possible PhD student? I suppose for the sake of simplification, I could only worry about 24k of the debt while I am in graduate school, since that will be the portion that accumulates interest at the time. A few more questions: 1. If you live frugally, do PhD students usually have enough to pay part of their undergrad loans off? 2. Is it feasible for PhD students to take a part-time job (maybe 10 hours a week) or is the time better dedicated towards the degree? I know its quite far down the line but I like to outline any possible paths I am possibly taking so I can assess their viability, or if its just a pipe dream. Thanks!