Wait a minute - are we talking "average" here? Average Millenials don't pay $100,000 / year for college. That is just nuts unless you come from money. The average In-State tuition was around $10k (
http://static.bangordailynews.com/wp-content/uploads/2015/11/cp-2015-f08.png) just a few years ago. That chart is labeled "tuition and fees" but I'm not sure that is correct - seems too low.
The average Millennial couple wanting to have kids would reasonably have paid $60k each to get a decent degree in 4 years. $120k total for the couple. Assuming they at least had summer jobs and some help from the parents, their loan nut would be somewhere under 6 figures. Making any of the available choices to keep costs down will further reduce the loan burden: One or both lives at home during college, jobs during the school year, choosing the lowest-priced school consistent with education goals, etc. There are grants and scholarships as well, but I'm not interested in digging too deep for the sake of what is supposed to be a simple example. Let's just say our young couple graduates with a total of $60k in school loan debt.
As a couple they would be grossing $60k initially, but should be at $75k (inflation adjusted) in five years, $90k in ten, etc, assuming one of them doesn't (a) lose their job (bad) or (b) get promoted to an elevated pay track (good). They should be able to pay that loan down in a timely manner assuming some basic employment stability.
A starter home shouldn't be over $200k in most parts of the country, and in fact could be significantly less. That is untrue in the DC suburbs, but the average starting salary there is more than $30k mind you. For the $200k mortgage figure $900 a month in P&I and $300 a month in T&I on a $200k mortgage at 3.75%. $1200/mo or $15k annualy. Biggest hurdle there is scraping together some kind of down payment, but requirements for first-time buyers are not too severe. Or rent - more or less the same outflow. They can afford both the house and paying off their loans if they practice sound budgeting. And I stress, we are not talking about NYC living - that isn't average. Young couple who try to make it there with big debt and lousy media-related starting salaries are nuts, and I suspect are the ones most often writing up these kinds of "poor me" complaints.
Are we talking about two 23 year olds in love that absolutely must have both a house and a baby right off the bat? Yeah, that might be darn tough. Nobody is asking the Millennials to have a kid that soon. Might want to wait a few years to get settled regarding employment and housing. Based on my fading memory, 25 years ago people did the same thing with regards to waiting to have kids until the late 20's typically. Even back then, when starting out a couple could realistically do only two out of the three choices of buying a house, paying off loans, and having a kid. A few years later, all three were possible. It is never easy to do all three in your 20's but is doable. Good idea to first learn how to live as an earning adult, gaining success at tier 2 achievements of meeting debts and owning property, before trying to get into the top tier of responsibility and cost of having a kid.
You can derail the above by saying degrees take more than 4 years (they don't have to), houses cost way more (they don't have to), working during school is impossible (it isn't), living some/all of the college years at home is unthinkable (your call, your nickel). Maybe it is easier to fire off a pouting tweet and cherish the "special" nature of your particular victimhood than to just grind it out.