It's 1.5x the poverty level. That's about $37k for a family of 4. >I doubt many families have 10% of income to spare. For a family of 4, it's 10% of income ov

It's 1.5x the poverty level. That's about $37k for a family of 4. >I doubt many families have 10% of income to spare. For a family of 4, it's 10% of income over $37k, not 10% of income. If that family made the median household income of $59k, they'd be paying about $180 a month in loan repayments.