It kind of stepped in at the right time, said Ceballos, who has loan payments averaging $800 a month and whose starting salary was $30,000. 
Ceballos has never borrowed money.
mnli hypothesis: Ceballos has never borrowed money. premise: It kind of stepped in at the right time, said Ceballos, who has loan payments averaging $800 a month and whose starting salary was $30,000. 