Yeah, it is pretty upsetting that there are programs that expect people to take out massive amounts of loans for their PhDs in public health. I am really not in a position to take out more loans (I still owe LOTS of money from my MD, though I got my MPH for free through a fellowship), so I won't go anywhere (even if that means not going anywhere at all) if I don't have a way to at least not take out loans. I fortunately can make enough to live off of by working occasional shifts during the semester and full time on vacations as a doctor, so I've decided if I at least get full tuition/fees/health insurance that I will go... but I will be essentially forgoing hundreds of thousands of dollars in income to get my PhD (because I won't be working as a doctor for the 4-5 years of studies, and then after getting my PhD I will make less than I would as an MD if I stay in academics) so adding to the debt is just a no-go. I am not all about money (and have no children to support) and I've decided I'm OK with that.
However... it seems a PhD in epidemiology may be for the privileged few who are in a similar position to me, or who are able to get fellowships/grants. I am actually surprised at how bad the funding situation is, I didn't realize so many schools would expect students to borrow such significant amounts of money.