I totally agree with that, putting yourself under debt for getting an education that is not enough to cover it, is a bad expense/investment.

I think spending money on basic education is necessary, especially when you do not have the resources to educate yourself without going to school.

For example: In third world countries, many people do not have the access to the internet. The only way they can study is by buying books or going to school.

A good expense would be to get an education so that you would be able to cover the debt and later on earn through it. So, ROI has to be +ve, and only then it's a good expense. That depends on person to person as well.

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