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I am not placing blame, therefore I can't defend a position of having had placed blame. I don't think it is an issue of fault. I think it is a fucked up system.

That is well beyond the means of most. Say a kid takes on this burden themselves. That's k in debt, plus interest. This debt to income ratio is far beyond what I or my parents paid.

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Plus these have boomer parents, who they likely need to help care for as SS decreases and ends. Then there is buying a house.

I'm not going to sit here and do the math, but our parents bought k houses on 30 year loans. So, just in time for retirement?

Who is better off financially in the end then? Someone who works their way and proves themselves debt free or someone who got a jump start to a higher paying job via school, only to pay out any extra money they earned back to the school debt?

Like I said, its a broken system. It hasn't always been that way, but it's true.