You're a young person to me - I graduated from college in 1968!<quoted text>
Oh, I'm not a young person anymore. I graduated from college in 1994, and had my first child the next year. We decided that I would stay home to care for our children, so I consolidated my loans and took the payments over 30 years, to bring the years that I would be home down to an affordable payment. In stead of $400 a month, we would start out paying $80 a month, and as the years go by, the payments gradually get higher. My youngest child is 20 months old, so hopefully by the time she is in school, and I finally use my degree for a paying job, we'll be able to afford those graduating pyments. Imagine though, paying for my schooling STILL, when my kids go off to college. It is, however, a CHOICE we made. And we are paying, every month since 1995.
My kids graduated from college in 1992 and 1995. As a single parent, I worked two jobs and took PLUS loans to help them pay for school. They both worked - usually a couple of jobs and took loans. Both of them graduated cum laude from private colleges. My son is now a stay at home dad - he and his wife put off having kids for 10 years so they could get their master's degrees, pay off their loans and buy a house. Their kids are 6 and 4. He'll go back to work after the youngest starts first grade. My daughter didn't get married for 10 years, but bought a house and sold it for a big profit when she got married. Her first child is a year old and she just went back to work part time last week. Her loans are paid off as well. So are mine.(and now I work only one job and have re-married myself after being divorced for over 20 years.)
In my mind, you are exactly the kind of family that would benefit from having student loans paid off by the govt.