Our daughter had a decent merit scholarship, but she had no additional loans. She, too, never talked about her financial situation/lack of loans - even though it was a popular topic of conversation at her office (Big 4 accounting) in her early days. She wasn’t uncomfortable, but she saw no need to comment when the topic came up.
It DID make her even more grateful to us parents who paid for her education. Now that she and her H are expecting their first child, she often mentions starting a college fund ASAP.