If you are thinking about studying, our advice is to investigate whether you have the option to study in another country (many don't charge fees or have a more generous scholarship tradition or aren't as harsh, as New Zealand, on student loan repayment policies). The impact of Covid would also need to be taken into account.
If you are interested in IT, there are many free, or low cost, options which can open the door to the same types of jobs as if you had spent thousands of dollars studying for a 3-4 year degree. In fact, Google has recently announced that it will treat people graduating from a short course the same as 4 year degree graduates. The course's cost is estimated to be around $300 and this could net you a job paying around $90,000 a year. There are choices available that could avoid a massive future debt.