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.
Where is that? At my school (Oregon State University) in-state tuition is $13k, and room & board is an additional $13k (which is way overpriced -- more than double what you'd pay in rent & groceries living off-campus, but all first-year students are required to live in the dorms). And out-of-state tuition is triple the in-state rate. So that $25k-50k estimate is exactly on-point here.
Most state schools are easily $20k for in state students once you add in the room and board. Then they try to get $50k from the out-of-staters. Top flight state schools like Michigan, Cal Berkeley and Cornell start at $75k+ for out-of-staters. Of course financial aid does enter the picture for many students.
Further, I think it's disingenuous to only consider tuition. Cost of living in e.g. Berkeley is ridiculous, literally more than tuition. [1]
(I understand that living is not something Berkeley can fix, but it's very much their problem and a concern on students' minds, regardless of whose "fault" it is)
To only consider tuition is a cost-shifting marketing tactic that these schools use so you don't focus on the bottom line. Their goal is to get you to attend. Period.
Let's look at a less prestigious school-- UCSB tuition is about 12k, but total cost might be 24k (official estimate says 32k [2], but I have the random fees they have to not be applicable, e.g. "campus fees" or "books")