he’d have a Liberal Arts Degree, a Barista Job, and even more debt

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Maybe he should have picked an in-demand major so the debt would not be insurmountable.
I hired a lawyer thirty years ago of approximately 35 to 40 years old. He said then that he still owed on his student loan.
Thirty-five plus tears ago I hired a lawyer that was approximately 35 to forty years old. He said he was still paying on his student loans. At that time college was much cheaper than it is now. Paid cash for my daughter, it wasn’t a prestigious name but it was a well recognized local school.