I was kind of freaking out to my boss about the money I've spent on d-school admissions and he told me to look at it this way:
a. To make money, ya gotta spend money!
b. The couple grand you spend on applications/interview arrangements are just a drop in the bucket compared to what you'll rack up during d-school, so get used to being in debt.
c. However, depending on how modestly you want to live after d-school, you can pay those debts off 'relatively' quickly (or spread them out and spend your earnings like a maniac, lol), and make a decent, comfortable living.
Made me feel slightly better but I still hate being thousands of dollars in debt at 21. I never wanted to have credit card debt, blah =\