I'm not sure when you when to school. Now, with a pell grant, state grant, and Stafford loans I've have no problem paying for school without working. Though now loans, at least federal loans, aren't really a problem to payback under the Income Based Repayment program.
Under IBR your loan payments are set at 10% of your adjusted gross income past 150% of the federal poverty level, and capped at a maximum of what you would pay on a 10 year repayment plan. After 20 years the remaining balance is discharged and counted as income.
Maybe it's just me, but I find $50,000+ for undergraduates in loans that you may only payback a fraction of, and don't have to make payment if you aren't making money to be a generous offer to students with little to no credit.