Usually the financial aid office includes (extra) generous allowances for food, travel, and rent expenses that may be included in your student loans. Any credit card debt is on top of all of that.
He has a daughter and might be supporting his mother as well. My parents raised me and my sister off of student loans and credit cards while they were going to school. I think it is pretty common if you have a family to raise.
We obviously don't know whether his loans included those expenses, or not. Even if they did, we don't know if unexpected expenses came up; for instance, those related to having a daughter. Nor is it our business, or the Ohio Supreme Court's.
