A job below market rate isn't a problem, as long as you're able to leave when something better comes along. Underpaying and then having a fee when they leave, is probably worse than nothing.
Analogizing with another crime against a person's freedom to do as they please, consider "kidnapping." It includes forcibly restraining a person or moving them some place they'd like not to go, and in the eyes of the law the duration doesn't matter; people have unsuccessfully defended kidnapping charges for minutes of detainment. If you agree that the fees in question do rise to the level of indentured servitude (which seems plausible at least), then the fact that it's only for 4% of your working life shouldn't be a relevant consideration.
Big difference is I'm getting money.
I've wasted over a decade (thanks health care in Europe, you stinky garbage!), so I don't get your last point.