OURtorah, a maamin believes that Hashem gives what he wants us to have, regardless of hishtadlus. Nevertheless, hishtadlus is a chiyuv.
A huge Machlokes in Machshava, and certainly not pashut. Certainly here, where many would say that not getting an education nowadays is Atzlus and a choice not to do appropriate Hishtadlus, it is much less Pashut.
This is not the time or place to have this discussion.