<p>Sorry I was not more clear, it was meant to reflect timefames. </p>
<p>Most students graduate at 22, get a masters by 24 or 25 and while in thirties means they probably had 15+ years to pay off if we refer to 30s. Doctors are still in school/residency until almost 30 but get to pay of their loans very quickly, more like 5-10 years.</p>
<p>It is very burdensome to carry around student loans for 15-20 year timeframes.</p>