<p>Mini - I’ve noticed that you’re responding to a lot of the “Is it worth it to pay extra for . . .” threads with links to the loan calculator. I’ve also noticed that on the basis of it you advised one poster “$20,000 debt over 10 years should be reasonable” and another “you shouldn’t even consider taking on the kind of debt load you’re discussing.” The loan calculator is a very eye-opening exercise, and I hope that the students on these threads go through it. I believe strongly that an undergrad career among very talented, motivated peers can be a wonderful, life-altering experience. But unmanageable debt at age 22 is clearly life-altering too. Keep posting the link.</p>