Too late for us as well, but I’m very happy for future students.
I know that even without debt there are plenty of shows D can’t afford to do, since rent must be paid and a gal needs to eat occasionally. Plus if a contract isn’t paying well enough she can’t afford to miss auditions while she’s working on it. This has forced her to pass on some things that might otherwise have provided great exposure and contacts, and I can imagine how much more this would happen if there were large school loan payments every month.