Six figures of debt is not good. You should do a simple ROI analysis. If the return is better than 4-5% over 30 years, then it's better to go do the MOT. Another way to look at your loans is to use a 30 year mortgage calc. Look at the total cost of the loan for 30 years with fixed interest (whatever your loan terms are). Then, divide the loan amount by 30. This # should be deducted from your annual salary. So, for a $100000 loan at 6% interest, you will have paid $113k in interest ALONE over 30 years. Your total loan amount will be $213k. In other words, your annual salary will be reduced by $7137. The median OT salary is supposedly $72k (I have a hard time believing that). So, expect to have an effective salary of $64-65k.
The good news, with inflation your debt should shrink as your wages go up! So, in 30 years, what was 10% of your income should be less than 4%.