When it comes to personal finances, everything is relative. What seems expensive to one person is cheap to another, depending on their income stream, debt, and attitudes about money; this is true when we're talking about pocket money, but it's even truer when the subject is student loan debt. The tendency is to talk about debt as if borrowing less is always better. This makes sense at first glance – who would want to borrow more, if they could avoid it? But as Susan Dynarski points outs at The Upshot, borrowing less money isn't necessarily a recipe for career success – or even avoiding default.