Mate, I've been down that road - undergrad art/ad school. Honestly? Don't bother. Especially if you're staring down loans.
You're better off grabbing some certs from Coursera or similar, or just building a portfolio solo and getting feedback from local meetups or online communities. It's brutal out there right now. Nobody knows how the AI shift fully lands, but I don't see human-led creative work staying valued. The pay's crap, the respect's worse, and that degree won't recoup.
What I see working for people trying to stay afloat is going deep into a niche - pharma, finance, legal, med-tech. Complex industries where AI can't just churn out fluff. That's where the stability is, not in some expensive piece of paper.