3-6 yrs in Ol Unc Sugar's grunt squads (military) makes 'em grow up and figger out what they want to do to be productive. Then, if they really need college, and can afford it, by all means, go. College was/is used as a holding tank for immature brats until they grew up, or failed. A degree from the school of hard knocks is worth a lot more than a sheepskin in my opinion. The military can cram about as much in a mushy skull as a college degree in ONE year after basic.
BTW, the homeschool kids I have seen are as good at 18 as a kid with 4-6 years in the military or a BS, and with more than someone with a BA.
The opportunity costs of college are so high now, it is not worth it, even for engineer or lawyer. Nothing says you have to have a degree, you just have to pass the exams.
The goobermnt needs to get out of the student loan bidness, and out of education at all levels.