<prompt> Human: HS Senior currently looking at colleges. The college that Im looking at would cost me 9500 a year in loans after federal aid and the NY Excelsior program pays for tuition under condition that you work for 4 years in NY. My other options would be to go to a more prestigious school for 30k a year, which is not possible due to family circumstances. I could also attend the local CUNY schools which would be nearly free but isnt ideal for my field of study and doesnt have as big an alumni network and prestige lol to look for opportunities from. Another thing I could try is joining the army reserves, tho I dont know much about their tuition payment programs.Is it easy to pay off nearly 38,000 in debts after I graduate if I stick to computer science? This is their offer after trying to renegotiate financial aid, and I dont really know what scholarships are available.TLDR: Facing a substantial debt if I attend this college. Wondering if worth it.  <response>: Absolutely. Its a good degree, and thats a very reasonable amount of student debt to take. Many advocate for the two years of community College first, but if the cost isnt significantly lower, its not worth the hassle for everyone. Doing a 4 year degree saves you the effort of transferring classes, and gets that university experience you mentioned you want.If youre not aiming for top tier jobs, which require much more expensive schools, then your university matters less than your individual performance i.e. getting internships and a good GPA. 