Pablo wants to attend UC Berkeley. One year at UC Berkeley costs approximately $30,000. He currently has $6,000 in savings. Pablo has received a one-time grant for $1,000 and an annual academic scholarship for $10,000. He plans to enroll in the work study program that will pay $12,000 annually for part-time work. How much will Pablo need to borrow in student loans in order to attend UC Berkeley for 4 years?