I don't want to be "that old guy" -- but I didn't qualify for student loans in the 80's & early 90's because my parents were in that bracket where they were supposed to be able to contribute, but just couldn't.
I had up to three part-time jobs while doing my undergrad, and I definitely wanted the education -- I found that as "consumer" I demanded more from my instructors for my hard earned cash.
In the end it made me who I am, and I subsequently went on to get both an MS in Software Engineering and an MBA recently -- both paid for with cash that I earned and saved.
Sure it took a little longer to finish the degree's and barring Alzheimer's, the lessons learned all around will be mine for life!