You picked a total outlier, a very prestigious public school in one of the most expensive states. University of Utah, for example, is a relatively good school and costs about $8k / year for in state tuition.

University of Utah costs 23k per year in-state with a total cost of 27k per year including indirect costs. Out of state is 43k/yr excluding indirect costs.

If you looked at this 5-10 years ago your numbers were probably right. But interest rates are low and borrowers can borrow far too much money.

Tuition is $9k per semester full time [1]. You're looking at costs that include housing, which someone needs regardless of their status as a student.

[1] https://financialaid.utah.edu/tuition-and-fees/cost-of-atten...