Nobody is forcing you to take a loan out. I studied and worked at the same time. Paid for my 4-year NJ college with cash.

The average cost of college for a four year, in-state public state university is ~$25,000 per year [1]. I'm happy that you either came from a rich family or went to college before the student debt crisis started, but not everyone has $100,000 in cash under their couch cushions.

[1] https://www.valuepenguin.com/student-loans/average-cost-of-c...

Was my comment not clear? I worked and studied at the same time.

I came from a very poor family, and my parents paid zero for my education. I paid around $12K/semester, depending on the number of credits, so around $24K/year.

I'll bet $5 he went to state school which are often heavily subsidized.