theres more to working than just going through school
as far as the debt, im looking at 20k bonus on signing
and then ill pay it as i go, im looking into opening sources of passive income in the meantime
what would i have bought with 75k in the time i racked it up? probably alcohol and bud

only reason i have that much is because i wasted 3-4 years of classes dropping and retaking
if you went to get a degree in IT, you should have already considered the fact your field would be oversaturated with talent(see accountants and nurses for example)
many people saw the late 90s early 2000s tech boom, but didnt realize that others did as well. I have a bunch of friends who work with CSharpe and Python that are doing well for themselves(not as well as me but i digress)
at the end of the day, you have a specific situation and factors that only you personally are aware of. If you get into software engineering....you have to embrace a lifetime of learning like the rest of engineering fields. The times change and the goal of the engineer is to provide value to the process owner.
You do that by having top knowledge of tech in your field and excellent ability to sell what you know and how you can contribute. If you fail to do this you will fail regardless of field.