@bridgenail Hm, you are very right, debt is something that is not to be taken lightly. I will have to take those words to heart…
It’s just that, over the 17 years I’ve been on this earth, I’ve just seen people complain about debt yet they seem to be just fine…not just for music majors, but even doctors, businessmen etc. They have a home, a family, a job, and aren’t being robbed of too much happiness, at least from what I can tell. Granted, it will be harder as a music major compared to someone like a businessman considering the limited amount of options a music major has.
And yes, debt is something one will have to pay off over the course of several years, but isn’t that a good thing? You have so much time to pay that debt off it seems like.
Also, not to come off has pretentious but I would say I am fairly good when it comes to money; It is worth mentioning that I am NOT the spending type. My friends family members constantly buy things like fancy clothes and expensive foods, but I have always kept things to a “necessity”. (Except for that one time I went to New York with my orchestra friends, that wasn’t quite necessary 
) I’m also not planning to have kids any time soon either. Ultimately, I know that I will want to have some freedom at some point, but just not any time soon.
Perhaps it’s due to the lack of freedom, such as difficult coursework and hours of practicing piano I had to endure throughout middle/high school which makes me turn a blind eye to wanting freedom in the future, such as travelling.
I have yet to understand many things…