@gungasnake,
There is a very very interesting book by the name of "The New School" by Glenn Reynolds that focus on the higher education problem with special reference to runaway costs and student debt burdens and the cost/benefits of that higher education.
I have one step daughter and her husband, in high paying jobs/careers that did not clear their student loans until their forties and that even when my wife did paid for her undergraduate degree in full.
Reynolds suggest other paths such as bringing back apprenticeships and depending on more certification by testing there it does not matter where the person got his or her knowledge.
In any case, he suggest never going deeply in debt for a degree with special note of not doing so for fields that would not allow the degree holder to paid whatever debt within a few years.