Noooo, not what the GP is suggesting at all. The GP is saying that local public schools generally pay subsidies to instate students, so that's not a very expensive proposition. He's saying that it shouldn't be $40k + $40k, but rather $10k + $0k (live at home with parents). Racking up an unnecessary $70k/annum debt is something of a self-infliceted wound if that more expensive option isn't going to pay itself off through increased earnings later in life.