[PsYcNeT]

While we're at it, let's talk about student loan forgiveness.

Speaking personally, I'm in my 30s and my wife and I only started trying last year, which plays pretty notably into the second chart above (we're in week 17, woop). Why did we wait? Same reason most do; financial stability to afford childcare costs, which is notably hampered by paying off student loans for so many years.