If she is making 60k a year and has to live paycheck to paycheck then she is doing something wrong.
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I make a bit less than 60K a year and pay almost $700 a month in student loans. Not complaining, it was my choice, etc. But teaching requires advanced degree work but doesn't pay well, particularly in the early years of your career. So you defer your loans because of low income while you're starting out, and sometimes get thrown off track by car repairs, med bills, or whatever, and next thing you know the interest has accrued to med-school levels on a teacher's salary. I love my work; wouldn't want to do anything else and I'm resigned to never owning a home or having a secure retirement. But we need good teachers and this isn't a way to attract them, because let's face it, it's a sucker's game, financially. (I work a second job year-round to pay for ski passes and travel and such.)