I paid cash for my undergrad and graduate degree but took loans for law school. I am at 100K in debt right now but I will probably pay off a huge chunck of it if I decide to continue school after this. I know some people in my class, namely single people who are not married and do not have wealthy parents who have near 150K in debt, and that is just on their law loans. Some have undergrad degrees from private shools and that tacks on a hell of a lot more.
Heck, I read about one guy in congress who is in his 50's and still paying of this college debt!