Well, lets be more reasonable. When you’re in school full time there are easily 5 months a year when you could be working full time. So it’s more like 14.6k/yr.
No cell
No cable
Basic internet since you’ll need that for school
250/month rent w/utilities sharing some little place near school.
Basic car, liability only insurance.
Or as Fry mentioned, live on campus and don’t even have a car. That really limits your job options in WNY though since our public transit is pretty lacking.
It’s really not that hard to see how people do it with 2k or less a year in student loans. The problem is kids don’t want to make those sacrifices so you see posts like the one where the kid wanted to max out his student loans to turbo his car or buy a motorcycle or some other nonsense.