I applied to a college just out of high school, and was approved for financial aid which left $6,000 out of pocket I had to pay in order to go to the college. My parents would not get a loan for me in their name and I had no credit, so I could not get a loan. I had a savings account for a year prior, but it wasn't enough to get a loan. So, yeah, I didn't go to college.
I prepaid for a Psychology course in 1993 at PCC because it was all I could afford, even though I was working two jobs and had some savings. I took the class and that was that for a couple years.
In 1996, I signed up for a course in Animal Science through a mail-in school. It took a few months to pay it off (~$1000) and it was paid off by the time I completed the course. I have a certification in Animal Care Sciences from there.
But other than those two small experiences in extended education, I have none. No money = no education.