@PrimeMeridian I think a lot people graduate with debt unless their parents paid for them or they got a very generous merit or need-based scholarship. I never said anyone “needs” to go into debt to be motivated to work hard. That makes no sense. There’s tons of reasons to be motivated. I’m just saying it CAN motivate you. That’s a distinct difference. Like how debt can motivate you to spend less money on inessentials. Or how it can motivate you to work overtime, etc.
My grandpa was in debt for a little while before he was married, but he got out of it and never was in debt the rest of his life. He never took out loans or anything, he always paid upfront. I don’t think that’s the case for most people, Debts are part of life and yes we should limit them as much as possible, but I’m not going to judge someone who takes out a loan to pay for the education they want and earned. Even though, I plan to attend a university where I can get a full-ride merit scholarship. That’s my personal decision, but there’s plenty of successful people who go to more prestigious institutions and take out loans.