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These are two mutually exclusive choices and are not linked. One does not create the other. And it seems crazy that I'd create debt when I dislike it so much.
If I can just manifest my education and leave off the debt, well, why don't I do that? Because my belief in creatorship includes paying someone back. I cannot receive without giving. It's one of my rules. I'm allowed to create my reality as I wish and I've put the "apple pie" of debt in there.
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Yep, this makes sense. I do get awfully uncomfortable when receiving.
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As another example, most people dread getting bills, but I am grateful for them. They give me a chance to express my thanks for the resources I have recieved. Electricity and the internet especially have added a huge amount of value to my life, I consider the costs the least I can give as thanks in comparison.
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You have a great attitude!