Universities you go into debt to attend are not the same as universities you attend on a whim
I believe there are universities worth going into debt for, but I think 'universities you borrow to attend for no clear reason' are almost always a miss. If you can't articulate how your desired options (type of work, income, location) would be nearly impossible or severely delayed without a degree, then the right stance is to first work and explore alternative paths, and only borrow as an investment if it becomes truly necessary.