A guy I used to know went to music school in New York City, and he has a bachelors degree. He owes $180,000 for his schooling and he can’t afford to buy a house because of that bill. Oh, he works at a bakery/coffee shop as a waiter and he’s 30 years old. The mortgage company probably doesn’t like that, either. He’s is very smart, with a great personality, and he is an amazing classical guitarist. He teaches a few students part time. But he does not have any money.
Anyway, I met him at a local luthier school where we learned how to build acoustics from scratch. I took those classes every Tuesday night for four hours, 6-10 pm, and it was really fun.
My point is, that his degree did nothing for him. He said he would need to get his doctorate to teach at a good music college, which would be another loan. If you are going to spend money on school, try to major in something that will help you find a good career. So, I vote for number 3 but I encourage you to find a luthier school that has part time classes that you can take on the side. Set up a good reality while you also try to chase your dreams on the side.
Where I work, the computer guy makes more money than anyone else there. I heard him negotiate his salary with the owner through my office wall, and that’s what the owner said. $120,000 a year. That’s good money. That’s Private Stock money.
Good luck, young man. You will figure it all out. It’s good that you are thinking about this so early.