I don't see this as counter to income and wealth inequality. Certainly there are those with medium to high income whose debts put significant pressure on their

I don't see this as counter to income and wealth inequality. Certainly there are those with medium to high income whose debts put significant pressure on their lives, but having access to homes and higher education is a big part of the wealth and income inequality in the US, so even having access to those things already means you have a certain level of wealth or privilege that many poor people do not.