"You can't see it, but since this is America, the problem here is debt.  Not credit card debt, though I suspect that's substantial too, but self-esteem debt.  They're borrowing against their future accomplishments to feel good about themselves today, hoping they'll be able to pay it back."

This. I am in loads of debt. 

From here: http://thelastpsychiatrist.com/2013/05/dove.html#more