Plugging random numbers into a formula (because I don't know American tax rates) that assumes 8-12% tax savings ....
If you paid:
$8000 -> save $640-960
$12000 -> save $960-1440
$20000 -> save $1600-2400
Like I said, I dunno what the average American pays in taxes. But those numbers are food for thought.
Oh, and to put the US national debt into perspective, if America were some guy with a job that paid $52k a year, he'd have a credit card debt big enough that his minimum monthly payment would somewhere from $350 to just over $500. (Based on that 8-12% debt servicing cost assumption I used above.)