Wartburg is an Investment
2010 Wartburg graduates with federal loans carry average indebtedness of $8,271* per year. (all types of loans divided by all grads)

That is only about $500 more than the average debt load for Iowa's three public universities, plus at Wartburg you will graduate in four years instead of five or six (the norm at many public universities now). That gives you two more years of job income (let's say $70,000) and gives you first-dibs at the job market after graduation.