I never had a student loan so I don’t know the answer to this. When you get a student loan, does some counselor sit with you and say “Just so you know when you graduate this loan is going to cost $W/mo. Food, apartment, insurance, etc on average cost $X/mo. So you’ll need $Y/mo to survive. People starting in the field you're studying on average make $Z. Do you think this is a good idea?"