I mean, if things are anything like they are now, they'll end up paying $100/mo on a salary of ~$130,000 to cover the cost of $70,000 in loans that are going to

I mean, if things are anything like they are now, they'll end up paying $100/mo on a salary of ~$130,000 to cover the cost of $70,000 in loans that are going to get written off by the federal government in ten more years. (The fact that my wife does not work and we have two children obviously brings down the monthly rate to a significant degree). It's not exactly the incredible expense some folks imagine it to be; it's certainly not worth not having children over. Unless of course you're dead-set on sending your children to Oberlin or Harvard or something and coming out of it with no debt, I don't think it's a reasonable objection. And even if you were dead-set on it, shouldn't you be making enough to be able to afford to let your wife stay at home if she wanted to anyway?