You said that the figure of $90K that you quoted was for both living expenses and school for 4 years. That's not all that bad. There are a lot of state universities around the country for which that figure is what in-state students pay.
The real question is: How big will your loans be?
There should be some ways you can pay for some of those costs out-of-pocket so that you don't have to take out a loan that big. Have you saved up any money to help pay for it? Will you be about to work part-time or during the summer to help pay some of those costs? How much financial aid can you get? If you have no ability to pay anything out of your pocket, you should be eligible for at least some financial aid that will not involve a loan.
I have niece who is in college now (4 years, pre-med) -- at a state school that will cost about that much. She works full time each summer (sometimes with 2 part-time jobs) and earns a couple thousand dollars. She also works over the Christmas break. During the school semesters, she works as a research assistant. She also has gotten a scholarship
that reduces her tuition bill. Her family had saved up some money to contribute. (And yes, Aunt LLG helps out a little.) By piecing these various funding sources together, she is going to graduate debt free -- though she will probably accrue big debts in med school. My point is that just because college will cost $90K doesn't mean you have to borrow $90K. Do some research and be willing work and you can reduce the amount that you borrow.
You should be able to bring that student loan down to a more easily manageable amount. Then yes, it can be worth it. You'll just have to live cheaply for a while after you graduate. Lots of people do it that way. Just follow that rule about not borrowing more than you will earn in your first year after graduation.