I mean maybe by being a poor person in college on federal student loans I ended up naturally around other poor people in college on federal student loans and it’s confirmation bias, but what you’re saying is a little too generalized for my lived experience. Lots and lots of people growing up in poverty take that FAFSA and run - it’s what everyone says is the only way out of poverty.
I’ll give you this, though: most of the poor college students I knew (myself included) never made it to the $250k line because we eventually had to drop out because things like having to work to afford food made it harder to do well enough to stay in school and graduate.
You do not at all need to be well off to take $250k in student debt. In fact, the worse off you are the easier it is to do so. It’s how the US federal student loan aide works, essentially. The less you have the more they’ll loan.
Why not toggle light and dark mode and set things to follow the system? That works great for me in macOS, these days things that doesn’t support that are rare. I actually can’t recall the last app (that _i_ use) that wasn’t a website that doesn’t support light vs dark mode and follow system settings.
I have no idea how it works, but if you sold/licensed/created your art to fabric patterns, theres almost certainly a small market there. Clicking through your site (others are right, you could present your work better), I see plenty of “I’d buy a decently priced cool shirt of that pattern”. Sample size of one and all.