how will avoiding student loans help set the tone for not taking on debt for the rest of your life?

Avoiding student loans helps set the tone for not taking on debt for the rest of life by fostering a strong debt-averse mindset and promoting disciplined financial habits early on. This choice prevents the financial strain and stress of large loan repayments, encouraging living within one's means and prioritizing savings. It also positively influences future financial decisions, such as avoiding high-interest debts, enabling more freedom to invest, buy a home, or pursue opportunities without the burden of debt repayments. The psychological benefits of avoiding debt early include reduced stress and better overall financial wellness, which reinforce habits that contribute to long-term financial independence.