I can share my story. I am a first generation student that applied to in-state universities in CA. When I got the acceptance package I got sticker shock when I saw the cost of attendance nearing $40,000. I didn't know how things worked and I didn't know how to navigate the system nor who to talk to. My reaction was one of aversion, I can't go into such large debt. Loans can cover anything, but I don't know how to be in debt, I always paid for everything up front. So I went somewhere cheaper that I felt I could afford.
In retrospect, someone that knew about this stuff would have told me that I could have received better financial aid, and I was probably misinterpreting some of the financial numbers. I mean, I was on my own, an 18 year old kid that was jumping into a scary world of getting into debt. I don't want none of that, give me something affordable.