100 Ton debt?

How bad of an idea is it to get into student/credit card debt for a 100 Ton License? I have experience and certs and live in a coastal state with plenty of companies. Am I shooting myself in the foot? I see a lot of comments here that the work is hard to find. But I see a lot of listings online.

Currently figuring out my way in the maritime world and posting a lot of questions. I've been an AB but have never worked on one of these smaller boats.