Specific examples? No, I'm not in the habit of inquiring after my acquaintances' finances.

But here's a thought-experiment: Suppose you take out loans to pursue a field that experiences a turndown or bubble burst — such that before you pay off your loans, there are substantially fewer jobs available in the field than qualified entrants.

It is easy to declare that anyone who can't find a job is thereby shown to be stupid and lazy. However, this ultimately forms a goalpost-moving or "No True Scotsman" argument; the weirdness of which is shown by the fact that it sets different standards for "stupid and lazy" in different fields, depending on a fact not under the control of the supposedly stupid-and-lazy person — namely the number of available jobs in that field.