I like that you entirely ignored their parenthesized statement immediately following what you just quoted. If you're going to respond to a point, at least respond to the entire point the other person makes.
It's not really relevant - he can save for downpayment on a house in most places in the country in a single year while also paying down his loans for a phd. He's so far out of the norm at his income that houses that are unattainable to most people are within reach. Sorry he chose to take out loans to get a phd and has to pay it back - I didn't make that decision. But he can definitely afford a home.