If people have a lot of debt from education then the safest course that can quickly recoup that debt is the best option isn't it? Who would choose to owe thousa

If people have a lot of debt from education then the safest course that can quickly recoup that debt is the best option isn't it? Who would choose to owe thousands of dollars and be able to choose something high risk and probably low reward? They want to start a family and so need to get rid of the debt as quickly as possible - so whatever pays the best.