Would it help if I wrote out the numbers? Given their tuition of $49,000 and $2,000 in fees, this turns out to $200,000 for the four-year program. If you did a 10-year repayment schedule, you would be paying $2,301 per month. If you did a 25-year repayment schedule, you would be paying
$1,388 per month. This will cripple your ability to pay for a home, rent, vehicle, or children.
The program may tell you that you can always use Public Service Loan Forgiveness or income-based repayment programs. That's what they told me. Do not rely on these programs staying forever. A future presidential administration may decide to cut the programs to balance the budget, and you'd be up the creek when that happens.
This thread also explains why relying on PSLF is not a good idea.
For some perspective: many years ago, I had also applied to the Psy.D. program at Los Angeles, believing that I could eventually pay back the $120,000 in loans (hoo boy has that tuition gone up over the years). I came across probably the same negative reviews that you did, except I decided that the reviews were enough to sway me against the program. What ended up being the most convincing argument was that I would have to fight an uphill battle constantly to prove that I was a competent professional, whereas someone from a fully-funded program would be assumed to be competent. It took a few years to build my application, but I am now at a program where I earn money for attending and where I don't have to pay tuition.