Yeah student debt is no joke. I was fortunate enough to be in a position where I could commute and had enough student aid and scholarship to go debt free first 2 years and use savings from working part time to pay next 2 years off in (less than 6k each year). But I wish more companies would invest in proper training than push that on students and college to do (poorly imo).
I hear that alot! I feel like for people who are interested in more macro works a MSW has kinda been pigeon holed in micro work sadly. Like I care about social economic policy mostly. I think a MSW is valuable but a MPA might be more so for what I want to do.