working full time while going to school full time is a high effort way to squeeze out on a lot of enriching opportunities that only exist through school: student organization/activism, extracurricular research, scholarship competitions, conferencing, independent study/overseas studies, etc. it's one thing to work while in school to keep a roof over your head and food in your belly, but it's something else to do it to avoid loans. i know loans are predatory and shitty, but they can't repossess your knowledge, experience, social capital, and connections.
guarantee the guy who "worked full time at home depot" and "may have had a sports scholarship" to graduate debt free with a "useless degree" absolutely compounded the uselessness of his education by focusing only on the credential. i mean, jesus, at least get a campus gig.