I don’t think they’re unkind. Lots of people rack up huge student debts with no idea how they’re going to pay the debt off. It’s irresponsible. It’s no less irresponsible if your career path is religious.
She took the loan to start her college education. She got her calling DURING college. By that time the tuition costs would have already run. And, when you get the call, you eithe rrespond immediately or you don’t — even if she had quit college immediately, she would still owe a bundle.