We made S1 take out loans for grad school because he liked living a high lifestyle and we thought he needed to manage his money better. He got his MA after a year and within 3 years he was paying his loans, saving some money and living below his means so we paid off those loans (about $25K). DIL is much better at money than S1, so we paid off her loans their first year of marriage (about $28K).
D1 is in dent school, so she has loans for tuition and fees; we give her a stipend for living expenses. However, she’s getting married this summer and the stipend will stop (except for health insurance). We may contribute to repayment in a few years, but her income should be high enough to repay the loans.