I'm starting vet school in the fall, so I can't speak to the part about making it worth it, but as far as the financial aspects, there's a couple things I'd recommend (these are all based on the hypothetical situation that you do decide to apply and matriculate into vet school)
1. Talk to vet school financial advisors before entering vet school. Depending upon where you are in school, talk to them before applying so you can make smart choices regarding where to apply and what programs are available. Try to see the specific vet school advisor, not just a general one.
2. Sit down with your parents and a financial advisor if at all possible. They hopefully can give you some realistic numbers and sound advice to make smart financial decisions. I'm not saying that they'll tell you how to become a millionaire, but every penny you don't have to go in debt for is a penny that you don't have to pay interest on.
3. Hopefully someone else can either validate or nullify this, but I was told to stay away from private loans.
4. Read this post:
It (finances) doesn't seem important to you at 20, but when you get into your mid-late twenties and early thirties, suddenly things change. Things you didn't think would be important at 20 become important. Suddenly that thought of I don't mind living in some small apartment forever and paying rent changes because you realize that you really do want to own a home. That thought of I enjoy working and can just keep going wears off and you start to value free time more. That thought that ramen noodles, cheap soup and grilled cheese constantly isn't a big deal eventually does wear on you after many years and you get to the point where you wish you could just make a decent meal more than once in a week, or not have to worry about dropping $30 at a restaurant because you want to. The thought of not caring that you are driving around in a 12 year old car, you eventually do care and even if you don't want a new car, you just want something newer that isn't having issues all the time, but you can't afford it. If you ever decide you do want to get married, start a family, go on vacation, take a long weekend to the beach or the mountains or wherever, you really do need to start thinking about the finances.
With how high debt is now and how low a vet income is, you are going to be living like a "student" well beyond graduation, if you can find a job. When you are suddenly staring at $250,000 in debt before interest has even been added on, things change rather quickly. And what you thought you didn't care about before, you suddenly do.
I think just starting this thread and asking yourself and others these questions shows that you're already thinking about these things (which is VERY VERY GOOD), I just think this post puts everything in a very matter of fact point of view and gives realistic examples of how debt affects a person that just having a fantasized view of any job won't tell you.
5. Realize that there are veterinarians who do live very comfortably, and you can be one of them. However, that requires making sound financial decisions and planning ahead- both of which it appears you are trying to do, and probably a good amount of luck. Just recognize that these people most likely didn't get there overnight and it would be unrealistic for you to expect yourself to. If you have a good rapport with the veterinarians you know, ask them what they recommend that you do to financially prepare for school and the career. I'm not saying you'll be able to live poshly, but successful people can give you good tips on how to avoid debt.
6. Recognize that financial programs change (just look at earlier posts). If you're planning on doing a program after school to forgive your loans (or any other similar program), have a backup plan in mind on how you would approach the debt.
I hope this helps!