Most are going to come out of school/training around 30-35 years old with 300-400k in student loans. No retirement savings, no home equity.

At a 6% interest rate, they are accruing 18k interest so just to not get more in debt they are going to be paying 22k minimum a year to pay it off in 30 years. Add retirement savings trying to catch up, trying to buy a home while working in a high stress field easy to see how it might not be worth it.