I am speaking about higher-end, which they seem to be looking to compete with, not averages. Also the 2013 average is $28.4k across the board, with private colleges closer to $39.9k. You are also assuming that the person will be making $80k. A fresh grad outside of SF probably wont be making that.
Be consistent. Graduates from top private/public unis will have more debt, sure, but they also do make 80k+ on average, as a matter of fact. So the debt load is best case comparable in 1/2 the time and for no degree.
As others have pointed out, undergrad debt numbers include R&R but the 25% for 2 years doesn't. What's 2 years of rent in SF for two years.