Re #4 (connecting to other points too):
You can solve the student debt problem via collective action. Live in a cheaper city or municipality, with roommates, split ownership of 1 car with bike and bus for everything else, cook in bulk with less or no animal products, choose cheaper forms of leisure, all of a sudden you are freeing up $10,000 per person per year, compared to the liberal (economically atomized/individualized) approach.

Any worthy org will give you the connections to do this. If they're developed enough, they'll even have housing already that they can put you in where your annual baseline expenses are just $5000, and all your post-tax income beyond that becomes disposable to whatever purpose. If someone conceptually wants revolution, but they're not willing to give up their all-American proprietary comforts, then they're really not a serious communist. For details, see my profile/bio.

I work in the industrial proletariat, and in proportional terms I am absolutely pumping out cash.

With regard to the OOP (who makes some good points but is unnecessarily divisive):
Longshoremen and truck drivers make a decent margin above minimum wage, and warehouse staff make a little bit above minimum. OOP is not necessarily asking that people take a hit to their living standards. In fact, the reality for many college graduates, especially these days, is that they don't find a job in their field or even end up underemployed. Many college professors aren't really that well-off; I've met plenty of people with master's or doctorate degrees who took years to find a job in academia or didn't get paid anywhere close to the median household earning. The earnings gap is not that big unless you win one of the competitive positions.

Moreover, you develop class consciousness and organizing acuity by working alongside many other proletarians. Sometimes you might even find exploitable weak points in the capitalist system.

People make the mistake of assuming "this career path and lifestyle in front of my nose is the only option for me", then they go down the corollaries of "I don't have the reasonable ability to do anything else" and "All these poor labor aristocrats are maximally leveraged, and there's no other way it could possibly be".