One has a Finance degree and other has a Computer Eng degree.
Incurring Student Loan debt is no longer an option to go to out of state school if the local state offers cost effective education.
Unless you get a full scholarship- stick with the state university which is affordable and you will not be in debt.
Fyi - student loan cannot be wiped out even in bankruptcy.
Study or major in what Corp America wants so that you are in demand. Today Amazon announced that they will increase base pay from $160K to $350K per year. Software Engineers are in short supply today.
After 2-3 years of Computer Science experience you can make comfortable living provided you enjoy Math and Science.