[suddenclarity]

Possibly a language mistake from my side. I'm not talking about the interest rate but rather that studying comes with costs. You need to buy books, computer, transportation, rent, etc. So regardless of who actually pays the tuition, you have numerous costs while also missing several years of work which is bad for society and your retirement.

I don't see a conflict between having a decent salary and not having a university education. I wrote a paper at university showing that a majority of all university degrees in my country doesn't pay itself. You miss out on too much money and experience during the years you are studying. There are exceptions, naturally, but I don't believe everyone should need a university degree.