You have to keep in mind the the expected value of lifetime earnings of both. College students from top schools going into consulting/finance aren’t poor coming

You have to keep in mind the the expected value of lifetime earnings of both. College students from top schools going into consulting/finance aren’t poor coming out of college, even though they may be deep in debt, because the expected value of their labor potential is in the multi-millions. Not quite the same as having it in-hand, but it’s real unless conditions change drastically.