Kinda the same story for me, right down to the debt level. I only credit myself for taking what was offered even when my advisor told me I should hold out for a better job more in line with my CS degree.

I took a guaranteed job that started one week after graduation over starting out higher up on pay scale and with relevant work experience.

Had my job search the following year not gone well, I could very well be trapped in underpaid, overworked sysadmin hell. :-/