Working certain high earning jobs means that you are required to live within a certain proximity to the workplace and have a car for mobility reasons.

A 200k job could easily meen 4500 into condo mortgage monthly, plus a presentable car lease at another 1k. No time to cook would be 100$ daily for food. Incidentals, clothing, cosmetic healthcare, 10-30k yearly.

120k debt from schooling at 10%, means a payment of 12k a year pays interest, 36k a year would pay off the debt in a reasonable time frame.