Luck has everything to do with it. Give another person your knowledge, your qualifications and your student loan and there's no guarantee that they would get a job at the end of it earning £55k, is there? Everything is about luck these days, about knowing the right people, being in the right place, taking up the right opportunity. Nothing is certain. If your degree enabled you to get to the place you are at now, you should count yourself lucky because many people with degrees aren't so fortunate.