I don't think the debt load is a factor, assuming you qualify for a financial assistance package from Brown. My guess is that your maximum undergraduate debt would be around $20K, which is manageable. I'd recommend calling the Office of Financial Aid if you're still concerned about affording college. I can't speak for UCSD but as a Brown alum, the major benefit is an open curriculum that allows you to explore and create your own path. I think the main drawback is students are responsible for their own development and careers, especially if you don't stick to a structured program (e.g. medicine, engineering). Personally, I found my major at the end of my sophomore year only after taking my second economics course (math econ).