it is an investment, one for which the individual should pay for if they want a better future, just like the current and previous generation have had to with little hardship.
Any other format is just a generational bias tax on those who were born at the wrong time and is completely discriminatory against that generation in the workforce, who will have to pay for both the generation before and generations after to have a nice time without earning it and for free.
previous generation average loan was less than £15,000. the current generation are looking at £40,000
the generation before that had no loans at all.
your post makes no sense.