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> I came from a middle-class family where my father was a phone installer for AT&T/SWB and barely made enough to make ends meet with three children and a wife

I don't want to be disrespectful here, but this seems like a contradiction in terms. Can you explain how you'd define "middle-class"?

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I believe my situation was similar to GP's: family on the lower end of middle class, and enough younger siblings to make it a stretch.

I was accepted to a reasonably prestigious university, but ran out of money after the first semester, so I wound up coming home and finishing my degree at a state school.

It's also important to note that the student loan system back then was very different: different guarantors, and non-infinite money.

Yes, that was the case, lower-middle-class, and three children with a wife on my father's salary.

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