When I was looking at school, I did a ton of calculations on this...looked at our bills, tuition cost, loan repayment, opportunity cost (how much did I NOT make by going to school all those years), differences in salary between current job and job as a PT. In my area, average starting salary is probably more like 60 to 65K. It's really NOT worth it to take on a ton of debt for this job. In some cases you will actually make "less" than what you could with a bachelors degree (considering salary and then loan repayment). In the end, we set our number at 80K MAX of debt or it just wasn't worth it to pursue.