You're doing exactly what Florida man said immediately after, and Carolina Red pointed out long ago. You're extrapolating your own experience onto the average person and then making a whole host of judgments based on that false anchoring point, with no evidence.
Your experience is conclusively not the average experience. "Most" people do not easily find a good graduate job that pays a decent sum of money. I did. I also paid off a similar amount of student loan debt in a similar amount of time. It's easy to think that I'm an average person so my experience is pretty average, but a quick glance at the statistics tells me that isn't remotely the norm. That isn't because I did things right, or because most other people are idiots. It's partly down to good fortune, partly down to social capital, partly due to other forces I don't understand.
Things like social capital - my parents knowing someone in business who had the influence to create a job opening - are these almost invisible factors that can be the difference between the start of a good career and starting a lifetime of temporary, low paid jobs. And of course they're disproportionately weighted towards families with healthy incomes, good jobs, etc. It all stacks on top of each other, making this very "simple" task significantly more difficult when you don't have access to it.
Your ideology leads you to totally disregard that, and attribute all of the postive outcomes you've had to your own hard work, your own good planning. You can't even contemplate that there are other forces that hold people back, which mean that that "small" amount of money is barely manageable for significant portions of the population, and it's only getting worse, hence people deeming it broken". No one is saying it's unfixable, but you're absolutely living in the clouds if you think it's jurlst a few issues here or there. That's a fecked up system.
Why not finish with a fact.
How many people in the US do you think find $382 a month is easy to find? How many people do you think can work a normal amount of hours, satisfy their basic needs, and have some disposable income left over for normal stuff like going out for dinner, while paying that amount of student debt? I think you'd be surprised by the real numbers. And that's not even looking at people that went to the ludicrously expensive unis.