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My mother was poor so there was no such thing as savings. I left school with about $42000 in student debt (that's high in Canada for a BA) and about $2000 in credit card debt. It's slowly (so slowly) going down.
Even with debt it's worth it. Even with the stress of working three jobs and going to school full time it was worth it (even though my marks did suffer some that year). Even with the stress after getting my degree about paying everything back it was worth it.
I didn't have anything called 'savings' either at college time. I was lucky enough to land a couple of state scholarships which paid tuition, though. That's what I'm hoping for in this case. For me, going to anything other than a Cal State university wasn't an option...I'm hoping Sticks has more choices than I did. :)
Debt is definitely an option, though for a music performance major it might be better to try and avoid it. :)
DnW