@The-Tax-Lady What he means is your insane government's rule that people working for less income for governments or nonprofits can have some of their student-loan debt discharged, if they keep their income under certain amounts for ten years.  But "income" means total on a joint return, so the second mistake they made after taking a low-paying job was to get married.  (My insane government, too.)

The third mistake was not doing a prenuptial, or post-nuptial agreement to disregard community-property rules in dividing income.