Is it worth being in debt?

There are star architects employing dozens of other professionals earning 7 figures creating museums and concert halls, and sole proprietors earning $60K designing master bedroom additions and bumping out the back of a local restaurant to create room for a pizza stove.

Nobody goes in to architecture hoping to make 60K but life happens. You can settle in an area glutted with other professionals where there is a race to the bottom financially. You might have to leave the fast track because your firm wants you to move to Dubai for three years and then to Berlin for two and your spouse isn’t movable professionally.

This seems like an awful lot of debt.