My experiences were not hers, they were worse than hers.

She had a solid full-time job making more than I did, appears to be healthy, and signed a lease for an apartment on her own. By any measure that I see, her life was both more luxurious and less stressful than mine at the time.

If you can point out one aspect of her life that wasn't self-imposed and that ended up being more of a hardship than when I went through, I'm all ears. But so far it seems like all you're saying is that I can't criticize because I'm not actually her, which seems silly.