The situation you described is inaccurate and mixing together the “chumros” of the Litvish and Chassidish world. Litvish stay in kolel more, but the women by and large all get degrees and bring in salaries of 60k+ once they get off the ground. Chassidim do not go to school(the majority, both men and women) but the men go into business and do quite well most of the time.
Also, as someone who has been in the yeshiva world (not the coffee room) for the past 15 years….a very large number of men are going to school. I’d say most at this point, outside of Lakewood, have gone or will go to college at some point. In Lakewood too, things aren’t as clear cut as they were 10 years ago, but the average yungerman in kolel will go to work in some capacity within 10 years of marriage.