>CS can be learned better online than in a school, probably because the people who built the internet are cs nerds

I would disagree. Learning things, for me at least, was something social. And talking lectures over or solving problems together with other people was crucial for me for understanding things. Furthermore, university was a good place to network. I think it's difficult to find something similar on the Internet.

Whether it's worth taking on tens of thousands to hundreds of thousands of dollars in debt, probably not. But that's not a problem where I come from.