Wanna bet? Health care is more expensive here. Cars are more expensive here (to purchase, but more importantly, to maintain). Food and alcohol are dramatically more expensive here.

In fact, pretty much everything you'll spend money on as a normal adult is more expensive here. I actually can't think of anything that wouldn't be more expensive, unless it's something that's already an obscene luxury good, like a Ferrari.

Your only argument here seems to be that you can make a calculated bet to pay off student loans, because 78% of $130k ($101k) is larger than 88% of 100k ($88k). Maybe, but good luck with that: I think you'll find that the cost of living easily consumes the difference.