Your example of a recent MBA graduate is absolutely a cherry picked example. Even if it wasnt cherry picked example, it's still a bad example for your argumen

Your example of a recent MBA graduate is absolutely a cherry picked example. Even if it wasnt cherry picked example, it's still a bad example for your argument because a cohort of MBA graduates will quickly pay off their debt because of their high earning potential. Your entire argument is based upon two faulty assumptions, that people in poorer / developing nations (1) have a lower standard of living than all Americans and (2) have no debts themselves.