There is a huge, huge difference between the debt you take on in undergrad vs grad programs vs law school vs medical school, etc. You are looking at the numbers for the most expensive programs (that also result in some of the highest paying careers!) to make the case that people have high debt, but those are the minority. They also tend to be the most educated and have the highest future earnings potential. Most people do not advance past an undergraduate degree. The 28k number is far more relevant, and within the article you linked.