Something is off with the math here. I don't doubt your story, but perhaps your numbers are a bit off?

240k over 3 years is $80k/yr in principal alone, substantially more with interest. If your post-tax take-home was $95k, that leaves only $15k/yr for living expenses for your household, which is extremely low.

Maybe that's possible with a lot of beans and rice, paid off used cars, and second-hand clothes and such.

Seems like part of the debt you are paying down is a mortgage, so that means your housing cost at least is part of the $80k/yr debt service. Still doesn't leave much for transportation (often second biggest expense for a household) and the rest.