You are right. As a dropout, I only learned recently how many of my friends were struggling under monthly student loan debt of $50-80k with payments of $500-800

You are right. As a dropout, I only learned recently how many of my friends were struggling under monthly student loan debt of $50-80k with payments of $500-800. There goes car money, poof, or 20-45% of a mortgage payment for a reasonably nice home in an urban area like Philadelphia.