I mostly have a problem with the people for whom it CLEARLY was a bad decision and they continually try to insist that it was a good one when it clearly did not work out at all for them. Such unwillingness to think rationally about poor decisions only makes it all the more easy for these ridiculous tuition hikes and loan schemes to continue.

The reasonable people (like you seem to be) who have their regrets along with their debts have my sympathy. I hope that things manage to improve for you someday. :(