Down the line - and as early as possible.

I personally don't think that education is a self-sacrifice activity... or if it is, you're studying the wrong things. University is a gigantic opportunity to make vast numbers of valuable connections, learn lots of interesting things, develop as a human being, and even gain some valuable credentials that will make earning money easier.

Of course, it's a bit overpriced in America at the moment, but that doesn't mean that education in general is a bad deal. On the contrary.