Community colleges are cheap, and state schools are too (relatively speaking). I believe the biggest culprits here are small (and not so small) mediocre private schools. As an example:
https://www.usnews.com/education/best-colleges/the-short-list-college/articles/colleges-where-graduates-have-the-most-debt
SCHOOL (STATE)
AVERAGE DEBT LOAD, CLASS OF 2018
PERCENTAGE OF GRADUATING STUDENTS WHO BORROWED
U.S. NEWS RANK AND CATEGORY
Maine Maritime Academy
$55,644
94
5, Regional Colleges (North)
Bryant University (RI)
$54,067
70
7, Regional Universities (North)
Carthage College (WI)
$52,380
79
14 (tie), Regional Colleges (Midwest)
Mansfield University of Pennsylvania
$52,243
64
164-215, National Liberal Arts Colleges
Baylor University (TX)
$50,172
52
79 (tie), National Universities
Union University (TN)
$49,824
67
185 (tie), National Universities
Texas Christian University
$49,197
35
97 (tie), National Universities
Quinnipiac University (CT)
$48,544
70
153 (tie), National Universities
Western New England University (MA)
$46,591
81
218 (tie), National Universities
The Catholic University of America (DC)
$46,437
69
139 (tie) National Universitie