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Let the experts argue. In my financial planning practice I see real people who are struggling to balance student loans and having children. Currently, I’m working with someone who likely has to make a choice between paying off her student loans and starting a family. If she pays off the loans, it’ll be nearly impossible for her to afford having a child. If she has a child, it would introduce expenses that make it extraordinarily difficult to keep repaying the loans.
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Plan for kids Thats what food stamps and hud housing is for.