You also need to already have the capital to get a skilled education and to support yourself while you do. Or you could assume large amounts of student debt before having a job, gambling on being able to complete your education and get a job before the payments start coming in. There's a student debt crisis for a reason.
And you better not get too ambitious and pursue a degree that's too difficult, or you won't be able to complete your degree and you'll have all the debt but none of the credentials.
The student debt crisis is suffered mainly by people who majored in non-technical fields from liberal arts colleges. There is a lack of jobs for people who have training in the humanities. That is unfortunate but that is not what I am suggesting.
If you take out a loan for professional training for a skill that is in high demand you will have little trouble paying it back. Software engineering is an example, but really any type of hard engineering training will relatively easily result in a relatively high paying job. There is such a high demand for those jobs in the US that we currently import many of those workers from China and India via H1B.
Not everyone is well-suited to those fields. Starting a degree that you can't finish is the worst choice possible. But even if everyone retrained as software engineers, that would just result in a surplus & everyone would need to retrain again.
And you better not get too ambitious and pursue a degree that's too difficult, or you won't be able to complete your degree and you'll have all the debt but none of the credentials.