It certainly is a daunting task and we are definately cursed that the thing we aspire to be is so difficult now to get into, and such expensive and risky challenege. I have questioned it myself but if you put the jet job on a pedestal then i think you can set yourself up to be disappointed.
If you focus on enjoying the learning process then i think it can be worthwile - don't think about the end goal so much. I also think you have to work hard at your job and get a good wage, so the costs don't seem so bad. And i also believe you should never get yourself in debt.
At the end of the day if it's the thing you really want i life then it probably will be worth it.