Please look up the term "sampling bias". You have an inaccurate, biased understanding of why the majority of student loan debt happens. Your sample is too small

Please look up the term "sampling bias". You have an inaccurate, biased understanding of why the majority of student loan debt happens. Your sample is too small and not representative of the country's overall population. Especially if you live in an expensive area, as you said, you are only seeing how "people who can afford to live in your expensive area" handle student loans.