That's smart! I'm not saying loans never make sense (especially for people who are getting degrees where they know they'll have a good salary), but just trying to give some perspective from someone who's still dealing with their own loans a long time after graduating and talked to a lot of people who've had it a lot worse.

Maybe something will work out for you to move to Philly and get an education for cheap. It doesn't hurt to ask questions/poke around. Good luck!