Which does not prevent it from being a problem. Government policy can change that. Not forcing teenagers to go $150.000 in debt and to have a career to repay that until they're in their 30s would be the bare minimum.
Well, they clearly can, as many more people in more deeply impoverished parts of the world are having lots of children. Likely, they cannot afford to have children while providing the standard of living (own bedroom, back yard, healthy food, bonding time, good school, college education, etc) they consider the lower bound on acceptable.
Which does not prevent it from being a problem. Government policy can change that. Not forcing teenagers to go $150.000 in debt and to have a career to repay that until they're in their 30s would be the bare minimum.