If you’re viewing it as “I’m paying off my own education” it should be considered an uncolateralized loan and you should be paying a high interest rate on it.

Roughly 15 years of education roughly $5k annually at an interest rate roughly set at 15% interest (you have no credit history or school grades to showcase your credibility).

Roughly owing $150k at the end of high school, and building until you can pay it off.