About 38% of all new jobs created in the five years before the pandemic paid above-average wages, VantageScore's data shows. But this year that share has fallen to 7%, signaling that companies are creating fewer white-collar positions. That poses a challenge to higher-income Americans who suffer a job loss because it may be tougher to find new employment than in previous years.

I feels like this is very important as it actually the reason why they're struggling on repayment, because technically they aren't making 150k per year but 0 per year.

But the financial management criticism still sound.