You’re kinds muddling three related but distinct concepts here: “what do I want to do with my life?”, “What can be done to minimize the cost of education”, and"does it make sense to go into debt to obtain the thing".
Someone could (and should) brainstorm all kinds of options, but at the end of the day, (for most of us working class), we’re still faced with the proposition of either taking on some amount of debt, or deferring to save money to pay outright for the thing.
It’s not my place to tell people what they should do with their lives, but given the general question of “should I borrow money to do X”, it just comes down to “does the value over the time of ownership exceed the cost of servicing the debt”.
You’re kinds muddling three related but distinct concepts here: “what do I want to do with my life?”, “What can be done to minimize the cost of education”, and"does it make sense to go into debt to obtain the thing".
Someone could (and should) brainstorm all kinds of options, but at the end of the day, (for most of us working class), we’re still faced with the proposition of either taking on some amount of debt, or deferring to save money to pay outright for the thing.
It’s not my place to tell people what they should do with their lives, but given the general question of “should I borrow money to do X”, it just comes down to “does the value over the time of ownership exceed the cost of servicing the debt”.