Not preachy! Honestly, it's comforting to hear someone else is kind of in the same boat, even though the boat sucks and also is sinking! I hope your re-apps turn out well if that's the route you go.
That FAFSA repayment calculator is brutal. I think I needed a dose of reality here, so thank you. I don't mind competition in a cohort, so I think I might hold off and learn more about the competitive tuition remission assistantships. I have some teaching experience, so if I can swing that, no way am I going through apps again.
tl;dr you're right: even NYC, Paris Review, Beatty, Lipsyte, and the 1/100000 chance I'm the next Emma Cline aren't worth debt until I'm literally 45.