There are other jobs than doctor. You can become a registered nurse with only a bachelor's ($100k+ salary). Engineering pays well. The trades pay well.

What doesn't pay well is zero-effort required jobs like Starbucks barista or social media influencer (is this even a job?). If anyone can do it with no pain required to pass some sort of schooling then it's not going to pay well. Nursing pays well because people are too lazy to make it through 4 years of schooling.

If you're going to come in and claim life circumstances prevent people from getting a 4 year degree, a public school costs at most $120k including living expenses for 4 years. Even if you get _no_ financial aid - which doesn't happen as FAFSA exists - $120k is an entirely manageable sum to pay off over the course of 20 years. And that calculation assumes you don't work at all during summers or during the school year.