Public schools average about $10k per year for in-state students.That seems low to me. Are you only counting the cost of tuition (and not books, room and board, etc)?
I just grabbed some numbers for NH, one site says the average for tuition alone is $10k, with another $1.5k for books/etc, and another $15k for room/board. So, unless you are able to commute from your parents, looking at closer to 25k+ in loans, per year.
I also checked UNH specifically, where the numbers are roughly $20k for tuition/fees and $33k all in.