I've got some experience with this student loan thing.
You're right on man. I talk all the time about how incredibly terrible our school counselor was. No one in my family could find the nearest college on a map. We were in a small town and not really much for internet back then. We were at the mercy of the terrible advice given by our extremely out of touch school counselor. At the end of the day it's still on me, but man I wish I had some legit guidance.
As far as I'm concerned, other than maybe taking some baseline general classes, I think most kids should take off 2 years to work, explore, and experiment with different jobs after high school. It would take parenting to hold them accountable to choose a path in a couple of years and get back into school is the problem. My kids are a long ways away, but that's what I would suggest if I had HS kids now. It's insane that we pressure kids with no life experience to choose what they want to do for the rest of their life right out of high school. It's no wonder kids are going to school for 5-6 years for an undergrad only to step into a job they hate. They're changing their mind constantly at that age; and rightfully so, they know absolutely nothing about the real world! I'm 35 with a great job, but I still don't know what I want to be when I grow up! My wife got a general degree at a community college, worked for two years and explored some options, and then decided to go back for a doctorate when she was a little more mature with more life experience. I think that was incredibly smart.
When politicians talk about raising the ages to buy guns and other things, I'm personally all for it. But only if it's across the board. Voting, military, gun purchasing, and other major decisions should all be somewhere in the age of 23-25 IMO. I sure can't look back on my life and convince myself I was thinking through decisions before then and I think most would agree. I'm still a dumbass, but looking back I feel like around 24-25 is when my brain developed a bit and I moved on from complete dumbass. Research agrees almost across the board.