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I think if you have to make payments of $800 a month after graduating, you are going to lose all flexibility in how you live. You are going to have to get a good paying job in a place you can afford. You are going to be under pressure.
If you don't have any loans, you will be free to take chances, have fun, live on a beach or close to a beach for a couple of years with friends, travel, choose jobs that are just fun, go to grad school, etc.
When you graduate, you will be young. Be free. Take chances. Try a variety of things. Don't be a wage slave.
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