I see. It seems weird to me that you can't get a bachelor's degree at a community college. I mean presumably you do still learn something there don't you?

I guess the question is what are you hoping to get out of it. Is it really all about the degree and the job opportunities that it provides? And realistically, how likely is it that having that degree will increase your salary by an amount sufficient to justify taking out those student loans? Can you recoup that money in a reasonable amount of time, say ten to fifteen years maximum? If not then it seems like a scam. Being in debt for decades sounds like an absolute nightmare.

Personally i think there is value even in just the learning and the experience itself. Even if you don't get a degree it can be good for your own personal growth. Education has value for you and for society in and of itself beyond just the financial benefit. But maybe find a way to do this that doesn't end up bankrupting or indebting you for decades.