I had no debt coming out of college with the help of scholarships and I want to make sure that my children are the same way. I am so much more financially stable compared to most people my age because of it and I am so thankful. We have been able to save up tons of money as a safety net and invest in a nicer house instead of paying off debt. We are also very careful about spending money. I think how you treat money and school are more based on your personality than financial situationl.