Both of my nieces worked and got scholarships, lived at home with their parents and got degrees that had them going into the job market with offers waiting.
The youngest did have to take out a small loan ($3,000) because of Kung Flu shutting her job down. She does not know it but her graduation present is going to be having that loan paid off so she can start with a clean slate.
Us Boomers and X-ers are just so mean!