Yep, this is how I feel. I accumulated 120 or so in debt through law school, between OSAP and an LOC, and while 3 years is pretty unlikely for me (possible, depending on raises, etc.), the thought of 15 years of repayment is soul-crushing. At current rates, 2400/month in payment pays that off. Off an (hopeful) 80k starting salary, that leaves 2600/month to live on, which given my expenses is more than doable, and doesn't even have me living particularly lean. That doesn't include the fact that 1) OSAP interest is deductible, and 2) I'll receive significant tax returns for at least a year or two into practice because of tuition credits that I can lump sum pay against loans.
Of course, if I end up making less than 80k starting out, this will need to change. But even in my worst-case scenario and with no raises, I'm maybe 7 years away from full repayment.
I just happen to have an interest in budgeting and money-management and like to learn from other people. I'm probably going to put off starting a family until my mid-30s due to how expensive it is and so when you mentioned the costs of "supporting a family" I was curious and wanted to learn more.