At a high income level, you should have more buffer for life’s events if you’ve made good decisions in your life. Generally speaking.

For example, that mortgage, did you stretch the very limit of your income or did you buy something reasonable?

Nobody forced you to buy a house, you could also rent or commute longer.

I lived in a crappy rental for five years and commuted and was able to fully pay off my student loans at the beginning of my career. As an example

Education debt can be put on forbearance or deferment under many life circumstances.

Given high income level, you also have many options available to you like personal loans.