No, because it's a want because it may be unobtainable also. Many people can't go because they can neither afford it or qualify for any grants. And no, loans and financial aid are different. Depending on what you do and what you want, you'll get a PELL Grant which is a default amount of money determined by your financial situation. I personally get 2700 bucks a semester, from which 1300 is automatically pulled out to pay for classes and memberships and log-in IDs, etc... leaving me with 1500-ish left, 300-400 i use to purchase books/supplies needed, leaving me with a grand for food and stuff. (and the fact my father takes 400 of it too for being an ♥♥♥♥♥♥♥ doesn't help).
I don't have to pay any of this back, however along with this is the options to work at TCC and earn more cash per semester, designated by them, AND Student Loans which you can opt for and choose an amount, and you'll have to pay it back eventually.
Many people use that as an opportunity to buy cars and crap like dumbasses and be paying it off for their LIFE. Some won't be able too and then some actually become/are successful from the get-go and pay it off asap. These are all theoretical situations for the most part at the time you're doing this, so people need to have good foresight. I personally know i wouldn't be able to pay any loans off EVER, so I took NIL.
Point is, you don't have to go to college at all. It your CHOICE. If you believe you NEED too than that's a terrible thought to have. If you believe it leads to better jobs for more money, although it leads to more openings. that's also untrue. The state of the current degrees are far less than they once were.