Be consistent. Graduates from top private/public unis will have more debt, sure, but they also do make 80k+ on average, as a matter of fact. So the debt load is

Be consistent. Graduates from top private/public unis will have more debt, sure, but they also do make 80k+ on average, as a matter of fact. So the debt load is best case comparable in 1/2 the time and for no degree. As others have pointed out, undergrad debt numbers include R&R but the 25% for 2 years doesn't. What's 2 years of rent in SF for two years.