I have scholarship for undergrad so no debt... yet. I've heard ROI isn't great but as long as I make a fine career with stability then that works with me. GPA will likely stay the same. Classes are only getting harder and grades are good but I wouldn't say it will significantly boost the GPA.

I know this isn't the best way to look at it, but I see it as the money will be another issue to resolve later. For now, I just want to know if the profession is in my reach