> Did college in those places / time periods put you into debt?

It was common for family lineages fo hundreds of people to support promising students to do the Imperial examinations and they didn't do it out of the goodness of their hearts. Equally people don't pay for their sons to study law for their intelectual development. Only the relatively wealthy could afford to send a son to college. Just being able to afford them not working for 3-5 years marks them as wealthy even if they fely poor in comparison with others of their social class.