The problem is that young people make stupid mistakes. While you selected a career which will be fruitful and possibly pay off your loan debt, a load of young people make career decisions based on flowery statements like "change the world" or "make a difference" and end up being baristas in Starbucks. There is a certain value inherent in expanding your intellect by going through college, I am not so sure it is worth doing that at the cost of crippling financial debt if you are not absolutely sure where you are going with it. So maybe the solution is to spend a few years mucking out at different things figuring out what you like before blowing through a ton of cash going to college.