when i was an undergrad i had a work study job. Could make my own schedule so that was nice, and yes I was able to study at the same time shich was good.
Another reason to take extra loans is to be able to travel. With the long breaks and flexible schedule university allows it is a great opprotunity to travel as much as possible during breaks and such. A university education is not complete without practical education as well. When i was undergrad i would try to visit a new place/country on almost every break i had longer than a week.
OP. what about pell grants? Those can be as much as 12k a year that you dont have to pay back.