do you think you will make 100,000 a year upon graduation or soon? Also that kind of debt can very easily derail your career especially in IR. You won't be able to take that low paying think tank job in DC etc or work with an interesting NGO after graduation. Also considering you will be probably working in an expensive city so 100,000+ will impact your life in many ways, multiple roommates etc for the foreseeable future. I wouldn't unless I already had amazing IR experience and was mid career and knew for sure I could get a job paying atleast $70k+. IR is a field where you really have to pay your dues so the less debt your carrying the better.