no, it doesn't make you lazy,but borrowing money to pay out of state rates isn't the nations problem either. I put myself through college so I understand how it works. I worked two jobs while I was in school, i bought the crappiest books (cheapest) i could find and I filled out every scholarship form I could dredge up, and only then did I add any student loans to cover what was left.
If someone has $50,000 in student loans after 2 years it usually means that they made zero attempt to pay for any of it themselves.
That's great that you were able to pay for school that way, but circumstances are different for every person. Just because someone has to use student loans doesn't mean they also don't apply for scholarships. It also doesn't mean that they don't try to pay for as much of their schooling as they can. With people who have to pay a lot of bills outside of college, it doesn't always make it easy to go the route you did. I graduated high school with my mom bawling her eyes out because our family pretty much figured there was no way I could ever go to college.
People like to throw around how easy it can be for some people without even considering the individual factors that play into one's life. I've gotten lots of scholarships and grants for my schooling, but because of my own personal circumstances in life, I have
had to take out loans. It isn't fair to claim someone who is in a lot of debt for two years of school has made zero effort when you don't even know the person. Blanket statements do not help anyone walk in another person's shoes. You are free to your opinion, however, and I hope that you do not take this reply as an argument. I'm nowhere near 50k debt for two years but we're fooling ourselves if we say that college is cheap or easy for most people to get through without the loans. Just look at the trillions of dollars in national debt students across the country have accumulated. I'm sure most of them aren't lazy or putting in zero effort to pay for their education.