"And I did not amass an incoherent pile of student debt - I worked while going to school."
I have never heard of either incoherent or coherent debts or piles.
Do you consider incoherent to be a synonym for "large" or "huge"?
"incoherent"
'Lacking cohesion, connection, or harmony' - that certainly describes the result in many cases of large student debt obligations.