I do not have the answer.
“In the old days you could work your way thru school and be debt free on graduation. That isn’t possible any more.”
That may, or may not, be true. When I started college (1964) many of my peers and I were willing to “paygo,” to borrow a recent political term.
We worked full time and attended college part time or worked part time and attended college full time. One could work full time for a year and take the year off from classes. There was no law that one had to attend college full time and continuously until the degree was completed. But now there is that whole immediate gratification thing...