Yeah but you won’t know if it will pay off until many years after studying, so it’s a gamble.
For the majority of cases having a university degree will give you a higher salary, not to mention the value of the experience of going to university as well as the connections you make there (both personally and professionally).
University in the US is just stupidly expensive and the loans have a crazy interest rate.
I’m from the Netherlands where you’ll receive money from the government while studying. You can take a loan on top of it with minimal interest and so it’s basically always worth it if you can afford it and are academically able to.