I think we need to not look at sorrow and happiness as opposites that cannot co-exist. They can and do co-exist. I have preached many memorial services where you see the sadness and the tears for those attending, and then you see how quick people are to laugh as they remember funny and happy things about their loved ones. And if the deceased knew Christ, those in attendance are able to rejoice as they anticipate the reunion that will one day come.
Give voluntarily. When we catch a vision of God's grace, we will give beyond our duty.
If we understand the dangers of materialism, it will help liberate us to experience the joys of Christ-centered stewardship. Jesus speaks of the "deceitfulness of wealth" . The psalmist warns, "Though your riches increase, do not set your heart on them" . The dangers of materialism are far-reaching. We should not think that we're immune to the value-changing nature of wealth.
Hudson Taylor and Charles Spurgeon believed that Romans prohibits debt altogether. However, if going into debt is always sin, it's difficult to understand why Scripture gives guidelines about lending and even encourages lending under certain circumstances. Proverbs says "the borrower is servant to the lender." It doesn't absolutely forbid debt, but it's certainly a strong warning.
If you're considering going into student debt, I encourage you to seek the Lord's will through the reading and study of His Word, prayer, and the wise counsel of others before you make the decision to take out a loan.