I also think of college loans as well. It scares me to think that when I get out I will have possibly 10-100K student loans (depending on grad school I attend, if I can work FT or PT, my institution's reimbursement program, etc). Most likely I will be making 120K ish when I get out ni NYC (maybe higher).
Then I have to think of a house, kids..... which I have none yet, but have been saving aggressively for a house since I graduated 3 years ago.
I just don't want to be neck deep in debt!!!
I really think the education is worth it though!