People go to college in hopes of bettering themselves economically. But in the system we have today, college loan debt and underemployment can make it impossible to succeed.
You can tread water for a long time, but eventually it catches up to you. When you realize your debt has gotten too deep, it's difficult to swim out. Spending money is what caused the problem -- whether it was expensive personal items or a forced cost like extensive medical bills -- so it's hard to think about hiring help to resolve the problem.