$200K in debt buying you no tangible guarantee of enjoyment or success - no thank you. At a 3% rate (low) that’s 20 years of $1,100 a month. For the ‘love’ of inanimate objects and sheet metal you will almost certainly hobble your ability to go on vacations, buy a house (or car for that matter), take dates to a nice dinner, heck even get a new iPhone every release cycle.
There are people/parents/students out there for whom that kind of money is no big deal - and perhaps some do go to ACCD.
Sorry - do they not offer a MA program, for half the semesters/time/money? Are there other schools that have competent trans depts and cost less?