As some other people pointed out, it really depends on your personality and what you want to do in life. If you want to be a professional then you will need a degree just to be competitive with others in the job seeker pool. However, if you are good with people and are a good persuader, maybe you should look into sales, where a degree does not mean as much.
I will give you a good example of two people I know: One has a masters in the “therapy” area. She currently has over $40,000 in student loans but cannot get a full time placement for work. As a result, she nets under $2000/month.
The other person was a housewife for the past 15 years. She did not want to be a secretary, to work for $10/hr, so she decided to take a shaitel macher course. Now, she charges about $35 per shaitel and more for extra things like haircuts, colors, etc. If she only gets 25 shaitels per week, that comes to about $3500/month. That is clearly more than the first example and she doesn’t have a huge debt looming over her. The best part is that its all in cash, which is not reported (not that I condone it but that is what she does).
At the end of the day, who do you think is better off?
Again, I am not saying that it is for everyone, but in some cases it makes more sense to forego the degree. You just need to figure out what you want/need to do