I’m 57 and owe $152,000 in student loans
There is a lot wrong with her decisions. Late college attendance and should have stopped at 1 degree because she couldn’t afford anymore than that. The reality is education isn’t for those who cannot afford it. Second, her kids needed jobs and or to attend community college because she couldn’t afford to get loans for them either. Live in Reality and make better financial decisions. Spend what you not what you have to borrow.