So you were pretty much on the fence about attending university? Had you needed to take out some loans, that would've pushed you over to not going at all?
The idea of accruing a large debt, having never held a job and with no assurance that I would even be able to keep up with the interest payments, would have been a far greater hurdle than I was prepared to leap.
Perhaps in your part of society, the idea of taking on debt is perfectly fine (as it is today for me); But where I grew up, borrowing money for any reason was frowned upon as reckless behaviour. It was considered reasonable to borrow money for a car or a house, if and only if you were a working man with a decent paying, long term job. The idea of borrowing to pay for an intangible, illiquid asset was unthinkable; If you lose your job, you can sell your car or your house, and pay off your debt. But you can't sell a BSc in the same way.
I was no more 'on the fence' about attending university than a sports fan outside the stadium on match day is 'on the fence' about seeing the game - If he has no money for a ticket, he can't go, regardless of his desire to do so. Sure, he could buy a ticket on his credit card; But how is he going to pay off a credit card?
Credit is for the wealthy. The poor don't borrow money, unless they are too stupid to realise that it costs far more than it is worth, or they are fraudsters intending to default.
The people who casually discuss loans for students as a viable funding model for higher education are comfortable middle class people, for whom borrowing money is 'leverage', and gets you ahead. Working class people (correctly, from their perspective) see borrowing money as serfdom - it puts you in under the control of the lender for a long, long time.
I use credit cards and loans to my advantage today, and currently owe a figure that would have turned 18-year-old me's hair white. But I have a very good job, and I know that I can and will pay the credit card off in full on the due date, and never pay a single cent of interest; and I have budgeted to pay off other debts rapidly and with minimal interest. At 18, and with no good idea of how the future would pan out, I was nervous about borrowing a couple of quid from a mate, in case I couldn't pay him back. Borrowing tens of thousands of pounds was unthinkable, for any purpose.