BAHAHAHAH, I'm not a boomer. I worked my way through college - full time job, night classes, weekend classes, no life, no days off, eating ramen and egg twice a day, riding a bicycle whenever possible instead of driving....you know, sacrifice. And that was after spending nearly a year homeless starting on my 18th birthday.
Would you like to know the secret to not accumulating massive debt? DON'T TAKE ON MASSIVE LOANS! Don't buy shit you can't afford to BUY. Pay off your credit cards and don't use them any more. Save your money to make large purchases instead of financing....
And yes, I had to work hard to get this well paying job. It took nearly 2 decades of working long hours at shit jobs, learning and increasing my skill level - and eventually I was able to start a business. I still worked a full time job for years while I built that business.....nights and weekends, no days off..... Now that I own my own business and work it full-time, I frequently work 60-90 hours a week.
Basically, nothing you said applies to me. I know many others like me - self made, no loans, no debt, hard working..... It's easy to not be a leach on society - do shit yourself.