This. And you can add partying + alcohol to that list as well.
I'm currently working my way through school, 7AM-7PM at the dealership and then I go home, grab a quick bite to eat and then head to class from 8 PM to 9:25 PM and then study from about 9:45-11:00pm. This is Monday-Friday. Guess what? I have $0 in student loan debt, zip, notta, none.
Yes, i am only 20 and I feel 45, but it can be done. It's a matter of determination, sweat and living within my means. I am on path for a great paying career with or without my degree, but WITH it i can always request more of my favorite thing: $$$$$