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> Students paying off debt cannot even get the minimum down payment.

This is huge. My wife and I are pretty privileged and own a very modest fixer-upper home on the very edge of a coastal metro area. We somehow managed this only after a decade of paying off ~150k of student loans that our parents encouraged us to take out when we were effectively children.

I have friends who are software engineers who own big houses in the city who skipped a 4 year degree altogether or their parents were able to pay for their education.

The difference between them and me? They were able to pocket that 150k as opposed to giving it to some useless university administrators and various federal lenders.




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