Horse sense is the thing a horse has which keeps it from betting on people. ~W.C. Fields
Learn to speak Spanish, give a common name and go to school for free as an undocumented student. Problem solved. OR... don't sign for a student loan. It is clearly obvious to anyone paying attention that colleges are a for profit business and that the goal is not to deliver an education but to get that student loan sold. It is a revenue stream for somebody else. If you fell for it, you got your education. The only way to win that game is not to play.
If you consider the offset from minimum wage, the payback time for the cost of college
compared to the extra income from having a degree, could be under a year, to several years.
Considered over a lifetime of employment, it is a very good deal.
Part of this hinges of if the degree obtained is marketable.