gr7070 wrote:However, how did someone frugal and responsible take out $175,000 in loans for what should have been 1.5 years of grad school?!?
The 175k may be undergrad too. My generation (barely a millennial) has been told since we could understand language to go to a good college with absolutely no regard to making it a cost/benefit decision. There is no education on how long it takes to pay off 100k of student debt or even what the payments would be. When you learn about that is when you apply (or even signing) for the loans probably after you have already chosen your school. Then there are hoards of people getting degrees like the OP's girlfriend where "you have to go to grad school to get paid anything".