<p>Yep – no debt, but you will live with a crappy college name by your own name for the rest of your professional life, and people WILL judge you by this – make no mistake. For that $40K “in the black,” you have probably forfeited untold multiple thousands in professional income and relegated yourself to third tier professional opportunities (welcome accounting, instead of investment banking, for example) . . . forever. Stupido!</p>