[Broken_Hippo]

Then you have a stroke of luck in more ways than one. You didn't hit on hard financial times afterwards: you spouse didn't wind up disabled and neither did you. You didn't have one of the many natural disaster dooms that plagues others and so on. You found a decent enough paying job after graduation instead of getting only being able to use it to be a department manager at a retail joint.

[Jach]

You don't know that.

[Broken_Hippo]

'Tis rather likely. These sorts of things are difficult for most folks to weather if they don't have high enough income to keep up on stuff or help from other folks with better means.