In 1971, I got home from VietNam and with no job prospects in the biology field, I went back to my old job as a mechanic. It had paid my way thru college with no loans or scholarships. In May of 1972, my boss offered to sell the business to me. I had two kids, ages 1 and 3, lived in a rental house, and had $1200 in the bank from savings bonds I had purchased while in the Army. The local bank gave me a 5 year loan secured only by the assets of the business and my boss held the check for 6 months, after which I was on my own.
In 1975, I paid the loan off and put $10,000 down on my first house.
Try doing that today. Our great land of opportunity no longer exists.