The bigger problem is that post-secondary schooling hasn't produced higher incomes to offset the cost. Adjusted for inflation, incomes are the same now as they were before anyone went to these schools (i.e. incomes are stagnant). Even if tuitions were affordable without debt, there would still be no economic return on investment. Even if it were free, the opportunity cost of your time still leaves you net negative. Unless its your hobby and you are accepting of the cost for the trade in enjoyment, why bother?