My son is the only one with any debt, and that’s a mortgage and a few other things.
But he HATES being in debt and is working to pay it down as quickly as possible. He has learned that debt is not worth it. He hates it hanging over his head.
One of mine had a lot of school debt. He was going for aerospace engineering so we didn’t balk at it.
He had a job in his field at NASA his junior and senior year which earned enough to pay for school and expenses. He managed to pay off $30,000 in a year. He and three other guys rent a house (the Case de NASA) and all live frugally. He had to buy a car but besides a few new guns, that’s his only big purchase.