50k in debt? I'm agreeing with her, but without any financial support, the local university for instate tuition is around 18k a year, and for the area, thats on the cheaper side. I think she were being conservative side unless someone lives in the boonies. Factor in room and board, shit's outrageous! Have friends that will be paying until they're 40, and without a job market, they just stay in school, because financial aid will allow them to take out more loans for higher degrees.