I can def see it being a tricky subject. I was fortunate to grow up in comfortable environment and had no loans. But I never had any awkward conversations about it. Some of my fraternity brothers worked 20 hours a week just to pay fraternity dues and college. There’s others that have multiple vacation homes/use of a private jet. But in the end we were all friends and never thought much about it. The only time I could see things being awkward would be times people would wanna go out to bars/restaurants that were more costly. I think in the end we were all college students and going to in n out was just fine.