<p>That’s true across the board for anyone seeking a bachelor’s degree, OP. Be thankful that your degree will at least lead to gainful employment. Debt is a very scary thing, and too many people are way too cavalier about taking it on, but you need to be careful not to go to the opposite extreme. Some debt is often necessary (SBAs, mortgages, car loans)–just be sure to calculate the long-term costs. Chucktown’s advice seems very measured and reasonable.</p>