Tuition is very expensive in the U.S.. People take loans because they are banking on the future. They think that Even with debt they will come out ahead.

I'm new on this site, but I assume that most people on this site are computer programmers or are tech savvy enough to get a job that pays a decent wage.

I'm Canadian, but you should also look at the bright side Of US education. There is no Canadian Caltech. If you step out and start a business in America, it is Considered entrepreneurial and a good thing.