I would simplify it and say that learning trade skills is a better investment for most people than attending a 4-year college. Trade skills can be learned at a young age, right from home, where there is room and time to explore and enjoy the learning process. Why we wait until after high school to teach kids in-demand skills boggles my mind. All the pressure in the world arrives after high school. It's time to start…
perhaps a bit controversial but there's the viewpoint that college and the degree you pay for is simply access to a social network / community where as outcome hands-on, trade skills aren't necessary in the chosen career path
The problem is public and less selective private colleges that have the same price tag as these schools, but deliver much less value.