While they are probably still new to their jobs (and hence have
a relatively low combined income), I have to say that their
'predicament' is really more of a case of poor financial
planning.
If it is true that their combined income is below $5k, then
DON'T BUY A CAR!!!
And if that 500k house is their 'starter' home, then they're
nutcases. Of course they would land into financial problems! A
3-room or 4-room flat in a decent estate like Pasir Ris or Simei
would cost significantly less than that and would have been a far
better choice for a new family that is just starting out.
I'm getting married early next year, and even I am not stupid
enough to make these financial screwups! I know enough to go easy
when searching for my first home, and to not buy a car until my
finances get better.
She can go elsewhere to seek sympathy.... she ain't getting any
from me.