Actually the loans may very well have been a better deal for you. You have sacrificed three years of income (assuming you finish in seven years instead of four)

Actually the loans may very well have been a better deal for you. You have sacrificed three years of income (assuming you finish in seven years instead of four). If you would have been able to command $50,000 per year, but instead made, say, $20,000 per year, then you've left $90,000 on the table. That is your opportunity cost (as the economists say) for being debt-free. So unless your loans would have been greater than that amount, you should have just borrowed the money and finished sooner, then lived cheaply and paid down your debt.