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>JDs frequently pay off their student loans by ~4-5 years into their practice

I think your information about the cost of legal degrees and the prospects for new lawyers (on average) is woefully out of date.




It's typical - conservative even - for lawyers who end up going into BigLaw. $160K starting salary will let you pay off even a couple hundred grand in loans in just a couple years.

This admittedly is only about 20-30% of law school graduates, but in a survey of net worth, dropping the 20-30% of data points that are most likely to have high net worth will skew your average significantly.




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