Even for people that study well-paying subjects and do well in school and for whom a 100k loan balance is worthwhile, it is still better to leave school with no debt.

Fun anecdote, an ex of mine was admitted to Mayo Clinic Medical School back when we were seniors in college. I don't remember all the details completely well, but they put a huge emphasis on getting students through med school debt-free so they could focus on being the best physicians possible in any area of medicine and for however long it took. My ex ended up with a full-ride with their help and it made it much easier for her to focus on being the best physician possible, less stress/able to buy a small home while in med school/take up additional study opportunities/trips/and again much less general stress (we are still friends 14 years later).

It sucks that us Americans are so boot-strapped oriented, but ah-well it makes them easier to exploit.