From DJ Leary’s op-ed in the The Star-Tribune:
After college graduation, biology takes over, one debt invariably falls in love with another student debt, and they merge their individual debts. Assuming average student loans debt, the newly married couple now owes about $50,000. How’s that for starting out in tough shape? A ten-year payment effort repaying the 50 grand, at an interest rate of 6.68%, means a monthly loan payment of about $575. That level of overhead joined with rent, probably two cars, health insurance, and food (and hopefully good family planning), most assuredly limits the grads’ professional choices.