re: Texas A&M over 4 years with housing was over 40k

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You think people earning 70k can save 20k a year?

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Without a doubt, my first job was 50k had 30k in loans and paid it off in just under 2 years. Things you don’t need - Netflix, Disney plus, cable tv, basically anything other than high speed internet. You don’t need to live in uptown Dallas, midtown or the heights in Houston. Normal people actually bring their lunch to work and cook at home. All these things should are a frame of reference to same money, implement a couple and you would be surprised at how much less you spend.