I've got a 30k debt. No house, no car, no education. I've tried to go to school three times, and I backed down every time. In order to learn something, I need to 'feel' it. It is the only way I can push my think-button. That's why I'm better off learning on my own. But you can't get bachelor degree's by teaching yourself!
I know more about Network Administration than my brother, yet he's the one with the degree, and he's the one who can get the job, not me. But that's life.
I'm much better off living it easy anyway.