While I don't disagree with you, I want to say that this idea of it being impossible to go to collage without taking out loans is not true. I know multiple people who worked, applied for grants, and used cheaper/affordable colleges first before uni.

> debt can be good (our society is literally built on it)

I would argue that our countries increased reliance on debt over the past 50 years has decimated the lower class and harmed the middle class while the wealthiest class has seen their influence and ownership percentages surge.