Student Exchange Programs

I have 4 more days to decide whether or not I should go on exchange to Sweden but I am REALLY torn right now.

PRO: Amazing experience (hopefully), lots of other people are going to be on exchange in Europe at the same time, great opportunity to learn and explore
CON: Going to cost A LOT (like Im gonna be even further into student debt…a lot), not a big city, dont know anyone else going to the same place, out of my comfort zone a lot

I thought exchange was something I really wanted but now its sinking in and I dont know what to decide. If I dont go will I regret it? If I do go will I regret spending all my money/getting further into student debt when I get home?