Okay, yeah, the financial aspect is definitely an issue, and one I forgot to address in my previous post. You should be able to research the average pay for people in the field you're going into. Base, starting pay, pay for the moderately successful, pay for the rich and famous. Look at the very base pay and see if you can live comfortably on that with your loans. Account for the fact that you will make more than that eventually, but don't go "pff! I'll be making that for a couple years at best. I'll be doing great before I even hit 25!" because that never goes well. You may actually do well before 25 and that would be fantastic, but don't set things up so you're screwed otherwise.

As for what-I-could-be-doing-instead questions... Well, what would you be doing? Whatever you would be doing, it's something you're still capable of in your free time, or after college. But without a deadline and professors forcing you too, how many of these subjects would you study otherwise? How many of these books would you read, how many of these theses would you have come up with? Even if some classes might feel like BS sometimes, college is actually really good way to spend your time. Whether you realize it or not right now, it's changing the way you think and approach things. It's teaching you to be analytical, to search for more. Time wise, it's absolutely worth it. But it might take more than a semester to recognize the change in yourself.

If you're loving your classes, it's not hurting your well-being, and think you should be able to afford it, staying in might be the best option. It's easier to go now when you're young than when you're 30. And if the experience isn't hurting you, it will benefit you.