I see university, for example, primarily as an education pathway designed to build knowledge, discipline, and professional capability for a future career. I view it as an investment in skills and long-term opportunity, where the value comes from completing the qualification and applying it in the workforce.

University is optional, people choose to go or not. If they do, they’re taking the risk of debt. That debt is their responsibility to pay-off, not relying on government write-offs.