$100k in student loans @ 4% and a 10 year pay off period. That's over $70k net pay in Philadelphia. I'd imagine you could certainly afford to buy a home after a

$100k in student loans @ 4% and a 10 year pay off period. That's over $70k net pay in Philadelphia. I'd imagine you could certainly afford to buy a home after a short period of time saving for a down payment. If the dual income household is over $200k gross then it's just poor financial decision making.