So glad that I went to college long before student loans became seemingly mandatory. I went to a state university (with a very good academic reputation) when in-state tuition was a real bargain (barely 1/100 what tuition was for a good private school). It probably would have been better had I had some real career goals when I was an undergrad, but for the most part I enjoyed my courses, which ranged widely across the liberal arts curriculum (the only two courses I detested were statistics and quantitative analysis ). I likely would be more financially advantaged if I had been more "career focussed" back then, but then again, I could have made a lot more money and lost much of it through bad investments, like some I know. I'm probably just rationalizing because I liked being a student.