One glaringly simple alternative to accumulating too much debt, especially in the first two years, is by attending a community college, wherein costs decrease about 90%.
Borrowing with an insufficient return on investment is foolhardy. Borrowing for non-essentials is a big mistake. Borrowing for expensive choices when similar lower-cost alternatives are available is a lapse in judgment. Borrowing with the assumption of someone else paying the bill is immoral. Borrowing to have a good time without regard to long-term consequences is two steps north of stupid.
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