I refused to get any loans or aid (junkie oil field family means I didn't qualify for many anyway despite being poor in reality) and because you can't enroll for classes with an outstanding balance I had a lot of "only one class for my degree and a bunch of filler" semesters, especially once you reach senior year and they teach each class once to a group of 15 out of 400 in the program. Its why I have a lot of math and engineering classes under my belt despite being a Psych major.

It sounds bad except I graduated with a degree, and a lot of actual diverse education learned, and zero debt, gaining a lot of work experience long before I was out.