"I am a college senior, about to graduate completely debt free. I pay for all my living expenses by working 30+ hours a week making a barely above minimum wage. I chose a moderately priced, in-state public university and started saving money for school at age 17. I got decent grades in highschool and received two scholarships which cover 90% of my tuition. I currently have 3.8 GPA. I live comfortably in a cheap apartment, knowing I can't have everything I want. I don't eat out every day, or even once a month. I have no credit card, no new car, iPad or smart phone – and I'm perfectly OK with that. If I did have debt, I would not blame Wall Street or the government for my own bad decisions. I live below my means to continue saving for my future. I expect nothing to be handed to me, and will continue to work my ass off for everything I have. That's how it supposed to work. I am NOT the 99%, and whether or not you are is YOUR decision."