Source? Top percent cutoff is about ~700k/yr, top 5% cutoff is ~300k/yr, and top 10% is ~100k/yr. This is for the entire US. (https://www.epi.org/blog/top-1-0-percent-reaches-highest-wag...)

TBH I can see an argument for a college student living at home with low expenses, a job, and/or plenty of loans having more disposable income than 90% of the population. But I’d hesitate to call that the average student experience. The average student income seems to be around $25k/yr as best as I can find on a quick search.

I don’t see how the math works out for your average student to have more disposable income than someone making 300k/yr. How does that work?