@AkomoCombine School loans are a trap, but a lot of this basically amounts to grants that adjust the price based on the customers ability to pay. Universities have gotten into trouble for price fixing.
https://www.nytimes.com/2022/01/10/us/financial-aid-lawsuit-colleges.html

@Coctaanatis I did the school loan thing but it was from local govt. They also paid for part of of it because i finished the courses on time too.

@AkomoCombine They can be valuable, but they can also significantly delay the ability to buy a home and start a family. It's tough starting out carrying a large burden of debt.