Earlier quoted context omitted.
With the right financial planning, it can be done. But, if you've already taken on 20K in student loans and 5 year cell phone contract, it's gonna be much much harder. That's why we need to start teach financial education really early: like K-12. Food and water can be quite cheap: the grocery stores are filled with healthy foods you can get for less than 1$ per lb in most of the US: corn, whole wheat flour, bananas,…
Everything you say proves your privilege. If you work a minimum wage job there is no way you can put aside 20k in a few years. Taking on student loans is necessary for many to even get a degree to have a chance at a decent job. And poor people usually are excellent at managing resources, yet you go "poor people just lack character", while what they lack is money, which is stolen by a small group of people at the top…
[1] https://en.wikipedia.org/wiki/Educational_attainment_in_the_...