> What's the point of working hard? What's the point of making decisions, responsible decisions in my past, what's the point of studying day and nights, skipping parties, skipping fun, but working and studying to provide for my family?

So... your assumption is "if other people aren't forced to pay ridiculous amounts of money for education, that put that education out of reach of entire populations, then there's no point putting effort into anything"?

Working hard should be done for (a) personal growth and (b) to provide for others. It should not be done to pay off punishing costs that shouldn't exist in the first place. That's just what it's forced to be done for in our society, and that's what needs steps to fix.