Tough question, but the reality seems to be that you cannot have a viable art career launch right out of school if you have 100k of debt. How could you? How could you move to say, New York, and rent a $800 apartment, at least a $300 studio, eat, and buy supplies? You cant. You wont be qualified to get a job that makes much more than 30-35k in the art world anyway. If you plan on teaching as a support system, good luck, you wont find a job in an art epicenter like New York. You will end up working an arts admin job or doing manual labor like art handling and these jobs dont pay that kind of money. If you have any more refined or advanced skills your likely to get a job thats so consuming that youll have little time to make work. A good top school MAY be worth it, but its hard to say. If you are really that talented, that ambitious, you will do well in most programs.
Even if you make it, get picked up, and start selling work, thats ALOT of work to sell unless your career skyrockets. It may end up compromising your artistic growth if you have some success and end up needing to make work that appeals to your collector base to pay off loans....