NROTC + parents (we) are paying room and board etc. No debt is a big advantage, having a job after grad and the possibility of getting a flight assignment. Paying for flight hours privately is expensive. You do owe 4-6 years after grad to uncle sam.

Tax deductions for college looked small-nothing for us.

Yes it is risky taking loans as a art major. Hard to live and pay off your loans waiting tables.