The debt isn't worth it.
Everyone thinks they're going to land one of the tops gigs at McKinsey, Bain, Goldman Sachs, etc. after business school.
There are only so many of those opportunities available.
Quite often people end up in roles that are only paying them marginally better than what they would have made if they'd just continued to climb the ladder. And they've added hella debt to their balance sheet in the process and additional stress.
It's not a decision to be taken lightly. Think carefully about what you want to get out of the program. What does post-MBA success look like for you? Is it attainable, given your pre-MBA background and rep of your school?
In other words, a non-profit worker who gets into Penn typically isn't going to leave business school and land a job at a top private equity firm!
But, some people take on the debt, thinking such an outcome is the norm!