I'm also a boomer (ony just) and your mum’s wrong, I’m afraid, sending a child to university now is nothing like it was in the 90s, especially for a working‑class family. BUT standards have significantly changed since the 90's and the provision and standard of accommodation was significantly lower in the 80's and 90's than they are now so accommodation costs are accordingly much higher.
In the 90s, there were no tuition fees, maintenance grants existed, and students could realistically cover most of their living costs with part‑time work. Parents weren’t expected to contribute thousands, and graduates left with little or no debt.
Today, students face £9,250 per year tuition fees, £45–£60k+ debt on graduation, maintenance loans that are means‑tested on parental income, parents expected to contribute £2–5k a year, student rent that’s often triple what it was in the 90s (but far superior), living costs that simply can’t be covered by part‑time work anymore. Working‑class families are hit hardest because they fall into the gap of “not poor enough for full loan, not rich enough to top up”.
So no, it’s absolutely not the same. The financial burden today is far higher, far more complicated, and far more dependent on parental contributions than it ever was in the 90s.
But in the 80's and 90's working class students expected to work their holidays, lived in slumy accommodation with little privacy and few ever got holidays. I know this is an old example but look up the tv programme "Rising Damp" for examples of student accommodations.
Nowadays, student accommodation is comparatively luxurious but then you get the comparative debt to go with it.
I would also say the chances of paying a student loan back are also harder because as the years pass and the expectation of a degree becomes mainstream even for relatively junior rolls, less jobs pay the type of income that facilitates speedy payback of the student debt.