From my perspective, the best aspect of undergraduate programs is that you get the chance to study lots of interesting things outside of your core discipline. That is harder to do once you are working in the field.

The worst aspect is the crippling debt, which cannot be discharged even in bankruptcy.

I went to a student loan web site recently and clicked on something like "discharge eligibility" leading to a form that said that you may be eligible to stop making payments if you have "become deceased." I'm glad they sorted that out.