I guess you’re moving to Texas - where you’ll also earn a lower salary than most parts of the country.
In any state, you are paying the Federal Tax Rate (minus your standard deduction of course) + 6.2% for FICA (social security) and 1.45% for medicare.
Those last two are not refundable - so even if you made less (because you just had a summer job) and get a full refund. You don’t get back that 7.65%.
Then you have your Illinois 4.95% state income tax. It adds up.
That’s before sales tax, taxes on your motor vehicle registration, and more.
btw - what happens if like so many kids you decide - CS isn’t for you. Or CS decides you’re not for it - and you have to change to say - business or something else that interests you. Happens every year.
Or - you think any of the engineering majors from last year expected to not be hired at graduation - that there would be a pandemic? I’ve been through three of four cycles when no kids of any major could get hired - and when the economy recovered they were “forgotten” for the next year’s college class. You are assuring yourself of a job at $80K+ - you’ll learn many times in life nothing is assured - except death and the aforementioned taxes.
And I don’t know what your folks do for a living but in my case - what happens if I get laid off or get aged out of my job (same thing, layoff)? Again, borrowing, if you’re even deemed credit worthy by lenders, puts not just you but your family under such stress - and while I can’t speak for your family - for most, things in this scenario have to go perfect every which way to pay off for you.
I’ve read of lot of nice people offering you good information that you dismiss. You’re young - so you don’t yet realize - but one day you will and I hope it doesn’t eat you up. Bruh.
Good luck.