Until I actually got into my first school, I didn't entirely think about the money. I just kind of a faith, and nothing felt real anyway. Which was dumb. Really, really dumb.
When I was accepted into BU, I wasn't offered anything other than the maximum loan amount (which didn't even cover tuition). Before I was accepted into UCLA, I weighed the costs of having a car in LA vs. heating bills in Boston, opportunity to hold a part-time job, etc and it really came down to tuition. I figured that after I get out of a MSW program, I'll only be making $2,000 to $7,000 more than I do now (and I live pay check to pay check with Los Angeles cost of living being so high). That's not a huge pay bump. Even though BU had a great program that was a little more appropriate for what I want to do, the extra $20,000 I'd be spending for the education was just not worth it. Especially so when I put it into the context of working an additional 10 years to pay it off while still living the lifestyle I do now.
That said, even though I'd be saving $10,000ish if I went to CSUN (rent's cheaper around there, tuition is less, etc), it's worth it to me to go to a US New and Reports top 20 school.
At the end of the day, it's all very depressing and discouraging. Hopefully, it'll be worth it in the end.