According to a CareerBuilder survey, 78 percent of U.S. workers live paycheck to paycheck with 25 percent not setting aside any savings. More surprisingly, 10 percent of workers who make over six figures ($100,000 plus) also live paycheck to paycheck. 75 percent of workers are also in debt today.

With the statistics aside, finances impede the ability to live a fulfilling life for many Americans as they struggle to make basic ends meet. Many people argue that the problem is the looming cost of student debt and its toll on graduates who are thrown into an adult world without proper financial education. But why are we not looking at financial education as a way to solve the student debt crisis?

10 percent of workers who make over six figures also live paycheck to paycheck. That says something. On top of this, we always hear stories of lottery winners or athletes who go broke in a year. The problem isn't with the amount of money you make nor the debt you have, but rather it has to do with the financial education offered in our education systems.

People argue that we aren't taught to do taxes, balance an account, nor how to properly utilize debt as a tool for wealth within our education system. I do agree with this statement to a certain extent. Let me explain:

The public high school system does not include financial education as part of its curriculum. We learn how the mitochondria are the powerhouse of the cell and how to utilize thousand-year-old theorems to find the sides of a triangle (looking at you Pythagoras). But like every student has thought, "When will I ever truly use this in real life?" It's more than likely, you won't, especially in the context in which it is delivered. This is where I agree.

However, for those who are college-bound, nearly every campus will have classes on financial education. For example, here at the University of California, Davis, we have classes for Investments, Personal Finance, Real Estate Economics, and other related "life-skill" type classes that we can utilize. But these classes are not popular among all students, but rather those who must take these classes as part of the curriculum. Students are not utilizing the resources that they are already paying for. You do not have to pay extra past the tuition that you are already paying for to take these classes. And that is where the problem lies.

On top of this, we live in the digital era. We have huge platforms built for information and the barrier to entry is at all times low. YouTubers have capitalized and offer free advice on personal finance and investing using all types of strategies. Google also will connect you with the best sites like Investopedia. Not only that, websites like SkillShare are also revolutionizing digital education with online classes tailored to digital learning.

Life-skill classes are right in front of them, but they actively choose not to take them at a low price of practically free. Evidently, the problem doesn't lie with the lack of financial education, but rather the lack of motivation to take these classes.

I have first-hand experience with this lack of motivation. With my position as an Aggie Business Leaders and Entrepreneurship Resident Advisor, I try to bring in life skills into the dorms to integrate education for first-year students.

But my attempts are often met with a multitude of arguments:

"That's boring! Why not do something fun?"

"We can learn that in class. Why not do it there?"

"We're already dealing with x number of classes."

"I'm only 18, why do I need to know that now?"

That last one is an answer I plan to answer in the future, but the others are always common when I bring up the topic of financial education.

The problem doesn't lie with not having the financial education resources available; it lies in the mindset of those who complain about not having them.

Live intentionally.