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Late Gen X with a Gen Z kid here, not contributing nearly as much to my retirement as I should be because I'm supporting her through college (without loans). We inherited this shit and we're sacrificing ourselves for the sake of our kids. I don't know who's to blame, but we've been dealing with this shit our whole lives. Don't blame us; we're trying to help
Doing the same thing with my older son now. We are paying cash for his college so he doesn't start out under a mound of debt like we did. It took over 10 years for us to dig out from under that load and start building assets.
My wife is 45 and we didn't get her loans paid off until two years ago. And we only we were only able to do that because we sold our house at the absolute height of the COVID real estate market. She didn't even have post-grad; just a bachelor's