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Work your way through college used to be a 'thing' . We had shitty cars, lived either at home or with 4 roommates in a 2 bedroom apt, and ate Mac n chez a lot. No Xbox or 100/month phone and drinking Pabst or Red Stripe beer. And at the end of college you owed maybe 3ooo or so. Millennials demand comforts and unnecessaries or they melt. Well, they can slowly pay their debt that is their responsibility by frugalizing their lifestyle like every gen before them. We just did it during college, not after.