Somebody way smarter than me once said taking on debt is borrowing from your future self. However education can be a form of investing in yourself. Therefore I viewed the choices about whether to study, what to study, where to study, and how to pay for it as investment decisions.
To me taking on debt for education was functionally the same as using leverage to purchase an investment property. It only made sense if the long term return on that investment would exceed the costs associated with borrowing and servicing the debt.
While I still mostly enjoyed the student experience, I didn’t spend as much time chasing pretty girls, majoring in pub studies, and playing sports in the sunshine. Instead I worked two or three student jobs while studying full time, so I could graduate debt free. That meant instead of paying off student loans, I could instead start purchasing investment properties right out of university, which ultimately allowed me to be financially independent by the age of 40. As it turned out I only worked in my chosen field of study for a year before pursuing other opportunities, so while everything ended up working out pretty well I am glad I wasn’t heavily indebted to an education I didn’t end up making a lot of use of.