I don't think anyone was trying to be hurtful, just giving you some real things to think about. I know I will be saddled with massive student loan debt for years to come, mostly from previous degrees. But, I feel that nursing is worth it, and I am worth it, to invest in my future career. You have to think of it as an investment, and what it's worth to you. If you will love your career and feel satisfied, then it's definitely worth taking out loans. Afterall, we can't take money with us when we leave this world!