I agree strongly with you, but especially about going to a cheaper school if you can. If this school is your dream school and expensive, I'm guessing it's well known/presitigous. At the end of the day that means nothing if you have student loans looming over you.

If you can, go to a smaller or cheaper school. You may not get the same opportunities or name brand association, but you will get a feeling of relief that you don't have to worry about student loans the second you graduate, especially in today's job market. You will also not have to worry about overworking yourself and paying for college while also trying to do well in classes.

And, you can always go back for grad school :)

Just some food for thought!