<p>Also, where did you see statement “that single mom with income of $50k was able to re-pay tenths of thousands of loans every year for many years”?</p>
<p>If you never seen a single mom raising kids alone with 50k income, again, it merely means you never seen that, it does not mean this does not happen. I assume you know raising kid is not lesser a financial burden than paying debt.</p>