Fate is the will or principle or determining cause by which things in general are believed to come to be as they are or events to happen as they do. It is also a power that is believed to control what happens in the future.
Back when you were in college as a student you get things easily because it is the duty of your parents or guardians to provide you with everything you need. These include food, clothing, shelter, security as well as miscellaneous.
When in college you would think you had figured out your life and probably think things will go the way you thought they would, for instance, you get a good job immediately after graduation then get married and settle down. Yes things can actually fall into place the way you thought they would if you plan properly and execute that plan plus a little bit of luck but for those that are not fortunate enough and didn't plan properly or execute their plan, immediately you graduate from college you begin to realize that the financial support you use to enjoy from your parents, guardians and relatives when you were still in college somehow begins to reduce or eventually stop totally.
Sorry to burst your bubble but life doesn't always turn out to be the way we expect especially when you do not plan properly. A plan is a set of actions that have been thought of as a way to do or achieve something while planning is the act or process of making or carrying out plan, specifically the establishment of goals, policies, and procedures for a social or economic unit etc. Failure to plan properly means planning to fail. While in college you should have a well laid down plan towards your life after graduation as well as developing a good saving culture.
The good news is that it is never too late to make up for lost time because as long as you are alive there's hope. The hope that you can some how overcome the setbacks and take control of your life not just by thinking or saying it but by making decision and taking actions towards your goals and aspirations.
To make it in life, you should be able to leave your comfort zone and there shouldn't be room for doubt, laziness, reluctance but instead hard work, persistence and perseverance, risk taking ability and so on.
So work hard, also believe you will make it in life to the extend that you even begin to fill successful even when you haven't really gotten there and that is when the universe will begin to open doors for you where they were walls in your life.