Most people are at "lukewarm" level with their desire to have kids. If you add the idea of "getting into debt to your children" to the mix -- it tilts the bala

Most people are at "lukewarm" level with their desire to have kids. If you add the idea of "getting into debt to your children" to the mix -- it tilts the balance to "let's postpone having kids until later" (that "later", usually, does not arrive).