Your question is very heavy. I will try my best to give you some advice and hopefully it is useful to you and what you may want to accomplish.
Everyone know that a college education is by far the best investment anyone can make in their life. With that being said a university investment comes at a high cost. Yes, you do have the experience of leaving home, becoming an adult, eating ramen noodles day in and day out, and even making lifelong friendships but also the cost of tuition now is very high. There is no way around that. You can work at getting a high GPA in high school and hope to get scholarships and grants that will cover tuition. You may also have to work 1 or even 2 jobs to pay for the rest of the bill but everything is doable. The debt that you collect whether you go to a community college or a university will come from bad decisions.
Applying for those extra credit cards, demanding a brand new car, and maybe even the high end apartment will all contribute to your debt. If you attend a community college close to home, you may save on the cost of living but if you make those same bad choices, you will still incur the same amount of debt.
The only advice is that whatever you decide, it is your decision and it makes you happy and you will regret nothing in the future. I personally incurred a substantial amount of debt going to a university. During my undergraduate years, I learned a lot about life outside of the books. I learned how to be financially responsible how to fix things on my own and I made friendships that I still have today. A BS also allowed me to continue my education and receive a PhD and now I know that at some point I will be debt free.
Good luck in search of your decision.
Last updated Sep 14 '17 at 12:21