In the United States? For huge swaths of the population that answer is obviously no. Financial education and literacy in this country is a complete fucking joke. Very few people expected that they would be on a payment schedule that amounted to $200/mo for 30 years, and for a significant portion of them, there was really strong messaging implying that getting a college education was the only pathway to financial success, such that student loans were worth it. Two generations and counting have been massively duped.