Right on. 8 pct interest doubles principle every 9 to 10 years. I challenge you to find a good investment that can out perform that, i.e. not insanely risky and speculative. You would need to fast track your career for 10 to 15 years to make a dent in $100k in principle.
1 year + $10 in loans for a cert followed by hand's on experience and more side class work for certs and degrees is starting to make more and more sense as time goes on.
BS degree + experience in 10 years with much lower debt, or no debt. That makes sense.
Blowing $100K on what is rapidly becoming nothing more than a 4 to 5 years resort stay[1] is getting dumber and dumber.
[1] What else would you call a place with luxo apartments, food courts, landscapers, recreation co-coordinators, fitness centers, swimming pools, entertainment staff, caterers, and nutritionists?