@ehBeth,
I agree that's preferable.
I was lucky, went to an excellent university that charged no tuition. Those were the days. Still, I had to live and my parents were often unemployed in those years. So, I worked nearly full time, say, 35/36 hrs./week not including bus times, to pay for food, pay some home 'rent', buy my books, once in a while clothes, mostly homemade but not always. At that time the university was strongly against working more than fifteen hours/wk. and they were right, at least re me.
Where I was a fool was in not trying for a scholarship - I went to a catholic college for my first year (went 5 total), applied for a california scholarship back then, and was refused since my father had earned too much money. Turned out he only worked something like six weeks that year and the money earned was virtually all owed the day he got it. My mother went back to work, not earning much. I was very stupid at university, never went to counselling, never tried for a scholarship again or other help. A loan was out of my radar. The upshot was that I was often exhausted. My grades ran from best in class to near worst (no kidding).
This is not a complaint - as I said, I was very lucky. I don't regret a minute of it.
Why I go on about this is that in my early education, I was never taught a thing about handling money or about decisions re further education. I strongly think there should be, if not classes as such, a series of presentations for students to get clues about all this while they are in high school at the latest.
That may be true in some places now, I don't know.
edit - re politics, I'm an odd one on education. I'm for good education that is basically tuition free. Not to get rid of private schools with tuition, but I want state schools without tuition. We spend billions on war materiel - this is a matter of priority setting. I'm perfectly aware states can't afford it presently, for myriad reasons.