That’s always been my issue. I worked full time and went to school full time when I was in college and still had to take out some loans. I did have some scholarship money that covered about half of it, but they only covered four years. My degree path didn’t have any free electives meaning in every assignment, test, and class I only had a single shot. Failing would likely mean having to retake a class and push graduating out to a year which would have doubled the amount of debt I came out with. All just to get a piece of paper that would allow me to do the job that I knew I would be good at and enjoy.
The entire course of my life was at the mercy of some bad teachers and worse bureaucracy. I get that my profession shouldn’t just hire people without any kind of training and hope for the best, and there were things I learned that had value, but the stakes and imbalance of power is so high I can’t really be mad at some one “cheating” when they themselves are getting royally fucked.
That’s great, but if they want to make that the goal then they should structure it in a way that is more conducive to that goal. When failure without dire consequences isn’t an option, then they have fucked up.