Is it will, alone, that separates burger flippers from rocket scientists?
Ok... you didn't mean such black and white extremes. Yet it demonstrates something, will is not the only ingredient at play. Their mindset alone is not sufficient.
What people need is opportunity, the right skill set, and determination. Yet there cannot be opportunities all the time for everyone. It is guaranteed that some people fall through and must be provided for. Currently we have some serious trouble in that area alone.
Then there is education, providing the skill set. I'm a big fan of apprenticeships and on the job training, starting from an easy to enter low level position and working your way up. If we stopped requiring college as a barrier to entry, then it may be possible to raise a generation that doesn't have to land a quality job just to pay their debts.
Ah, but it's so much cheaper to offload that time and effort to colleges. What is cheap for the corporation is damning for the nation as a whole. We have a diseased infrastructure and so long as the mission statement is to cut costs, we're going to cut corners and avoid taking the time to pick people up and train them.
Barrier to entry is a big concern. It's like the housing bubble. Buy a house for $100k, then $200k, $300k etc. Eventually you run out of folks who can afford it, no matter how much you have bent over backwards to ease up the lending rules. In this case, you run out of folks who can afford student loans just so they can apply for a job.
Determination is interesting. It can clearly have external motivators, but it's also an internal choice that we ultimately do not control. All we can do is provide for those who lack it, remove barriers for those with it, and see where the dust settles.
IMO, a work program for those on Welfare, which provides training and apprenticeships, is definitely how we must proceed.