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This is some nonsense. It's not an overestimate at all.

Grad students do have health issues. I know plenty who do. Actually. I have never had a PhD student who did not have some major health issue in their 5-6 years.

Many grad students have families. They can't live with 6 other people in a unit. They have childcare.

Rent is extremely expensive around MIT. Even a room in a larger unit will easily run you 1.5k or more per month plus utilities.

With 47k in Cambridge even if I shared an apartment and cut expenses I could just scrape by if I didn't have a child. I have no idea how I would make it with one.

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Do you disupte any of the things I mentioned? Yes, obviously PhD students with kids and health issues exist, but on average, PhD students are younger, healthier, pay less taxes, qualify for more benefits, and don't have children. The MIT estimate is based on all the above not being true, but that's simply not reflective of the PhD student population.