Jesus H ******* Christ, how about the opportunity cost of loan repayments for however long it takes to pay back? Repayments on an investment loan after bank of dad gives you the deposit. Millionaire by the time of an early retirement.
A University degree is going to set you back $80-120k all up
How about a trade in a government subsidised scheme where you pay sweet FA? 3 years at a modest income then hook it to the mines for 5 years of premo pay to set yourself up. Real estate millionaire after 15 years.