I’m assuming you are in the US. As a student, most schools offer health insurance or allow you to sign up for Medicaid. It’s the cheapest health insurance I’ve ever had! Look up lifetime earnings of people with a college degree vs none. It’s massive. Go to a public school, take out loans (undergrad loans have a very loan interest rate and you pay them back based on your income). You will earn great money in Tech. I paid off my student loans in 5 years and make way more money than had I not gotten my degree. Plus the student internships help you land your first gig. If you wanted a philosophy degree, my advice would be different, but you will make more money in the long run by getting in the Tech field 4 years sooner.