Do you know any engineers? Find out what their work is really like. If it's really what you enjoy, then definitely go for your degree. The amount of debt you will incur is miniscule compared to the income that you will have over the long term. I learned to live well on almost nothing when I was in university. I was debt free after 2 years and never had money worries again.
The problem with trades isn't the pay. It's that they are physically demanding, repetitive and can involve working in uncomfortable environments. That's not necessarily bad if you have the personality for it. But I spent over a year doing that sort of stuff. I can tell you that it was like going to heaven when I got my first tech job in a comfortable office.
You're still a zygote at 21. There were men and women in their 30's when I was in uni.