Rodrigo wants to attend University of Texas. One year at University of Texas costs approximately $22,000. He currently has $3,000 in savings. Rodrigo has received a one-time grant for $1,000 and an annual academic scholarship for $5,000. He plans to enroll in the work study program that will pay $8,000 annually for part-time work. How much will Rodrigo need to borrow in student loans in order to attend University of Texas for 4 years?