> Now you are 22 and single. Should they go to work before they need to?
You don’t have to be. If you are on the way to getting a profession, or in MS/PhD degree, maybe even Rambam will agree that you can get married off student loans :). Maybe with 3.0 GPA.
On your question whether one needs college for more than parnosah. Depends on a person. I think for some people, it would not hurt to learn about the world. R Soloveichik did not seem to regret learning philosophy, that means he found it useful. Rambam knew greek and muslim science and philosophy.
You can see on this site, a certain segment of Jewish velt behaves sociologically very similar to other uneducated social groups – conspiracy theories; rejecting public health advice … so, something is missing in our educational system.