Those add up to <$100/mo if you do it right, and you generally shouldn’t finance cars.

Student loans though...

State schools, not living on campus, and community college though. You are going to college to learn, not to party, right?

Okay. You now have a harder time at being accepted at the highest paying companies because you didn't graduate from a select few universities. Hell, in law, most companies where you can really earn a good wage don't even hire outside of harvard.

Ok, if you get into Harvard, go to Harvard. Your opportunities in the long run should outweigh any sort of student loans you have to pay back. If you're going to NoName Private College that's 90% of the cost of Harvard, go to state school instead.

And apply to scholarships. Lots and lots of scholarships.

Sounds like a hidden bonus; encouraging people not to be lawyers!

In state tuition is well into 5 figures in a lot of places. Even Community College is more expensive than it used to be - my local is almost $3k/yr

So a 4 year degree is on the order of 30k, aka what a lot of people pay for one year on campus. That’s pretty easily achievable on entry level salary (I know, work while you’re in school, le horror). Even if you have to take loans the whole way that’s a car note.

Are there people who this is out of reach of? Yes. Would it be cool if it were free? Of course. Is it crippling debt that makes a comfortable life impossible? Don’t be absurd.