I take umbrage with, “student loans are necessary if you don’t come from a wealthy family.” That doesn’t even pass a basic sniff test, me. I’m po white trash from Valley Center (pronounced with a drawl.) 3 years in JC and 2.5 at Cal State Cap N Crunch and I got a CS degree. I did get some grants, I worked and oh yes, I joined the military.
You don’t have to go to an expensive school. You don’t have to choose a non-remunerative major (though most do) and you don’t have to borrow money. It does make life easier if you want the traditional college experience.