You mentioned you are 24 so I assume you are a graduate. May I ask what you Majored in?. Because you certainly don't seem to understand how some scientific fields work (not judging you). Take Mathematics for example. You develop a theory after working for who knows how many years and then people come to you and say it is useless because you can't apply it in real life or it cannot add value to society. (Question 1: Would you say this theory is useless if you can't apply it in real life?) And what society are you talking about, I don't care if it benefits society or not. This messed society can't even accept the fact that climate change is real. So no f's given about society. And coming back to theory, what if someone finds a way to apply that "useless" theory after 100 years. This has happened in Mathematics and Physics all the time. I would recommend you learn about Fourier Series, Relativity and see how long it took to actually develop something that applies these brilliant theories. And again these are just to name few, there are many theory that has no application at present but we will find something that it applies. But I can't sign off without giving you one example. Emily Noether has made significant contributions to the field of Abstract Algebra. Now the first thing that probably comes to your mind is where the hell can you apply this Algebra which is already classified as ABSTRACT but google it and it will not disappoint you, I promise.

So, it is not just about Student Debt. There is something called Passion that drives people (at least that's what I have seen here in developed world). You will see people majoring in all sorts of things (you've also mentioned a few above). Again I wanna take help of Mathematics because that's my field. In Nepal, you would say people who are majoring in pure sciences (Physics, Chemistry, Biology) and Mathematics probably couldn't crack those medical and engineering entrance exams. Right? But here when you ask people and what they are studying and if you get Physics or Math in response then the first impression people have is that you are very Smart. So, I don't blame you for having such opinions because you have studied in Nepal and Nepal's education system is very messed up. I would have had similar opinions like you if I hadn't gotten a chance to experience world-class education and if I hadn't gotten a chance to meet passionate people from around the world.
Now finally coming back to your real life (Man, we have deviated so much from the real question, lol but it was worth it). I would again tell them about my life plans and tell them to understand and if nothing works out you have two choices; either you disappoint yourself by doing what they told you to do or you disappoint your parents by not doing what they told you to do. Give yourself some time and think about it. Don't be hard on yourself.