Why not go to Germany, get a degree there (many universities offer english speaking courses) for free? You end up with much less debt (if any) and have some additional experience.
I studied in Germany in English and there were a lot of people from all over the world in my course (only 20% from Germany) but there wasn't a single person from the US. Maybe the Uni wasn't as good as Harvard but certainly better than many colleges you'd find in the US.
What keeps US students from coming to Germany and study there? It shouldn't be a visa problem nor language.
I think you underestimate how difficult it is to move to another country. Language, visas (and other bureaocracy) are indeed issues, as are uprooting one's life and moving to a foreign place; no friends, family, familiarity. Of course studying in Germany or the NL or another country where the education is taking place in English is less of a barrier than moving to a place where that isn't the case, but it is a barrier nonetheless. It can be nervewracking and overwhelming. It's a major step; much more so than simply moving to another US state for college, for example.
I say this as someone who left the US years ago to study. I adapted quite well, but I recognize what a big shift it can be.
I studied in Germany in English and there were a lot of people from all over the world in my course (only 20% from Germany) but there wasn't a single person from the US. Maybe the Uni wasn't as good as Harvard but certainly better than many colleges you'd find in the US.
What keeps US students from coming to Germany and study there? It shouldn't be a visa problem nor language.