I recently asked a friend of mine whose oldest daughters are in shidduchim now about this – how people afford apartments for their kids. She told me that her daughters have discussed it with their friends and just about everyone seems to have some relative who has money and helps them out.
I know with one friend of mine whose family had NO money at all to help out and she married a boy who is learning and whose parents were in chinuch, there was some relative on the boy’s side (maybe his grandmother) who bought their apartment for them.
Does every family really have some relative who works and has money and is willing to help them out? I don’t know. I guess it makes sense that in every family there will be someone who is not cut out for learning, and if the rest of his family learns and he doesn’t, it would make sense that he would feel that he should be helping them out.
I don’t know if this is the case for every single family, but it’s possible that it is the case for most.