PBA,
The difference with graduate students is that they are working towards a way to be self sufficient. Kollel doesn’t get you closer to that, so after Kollel you still have years of struggling.
Flyer, Understand etc….many young families in Lakewood are being supported by taxpayers. Maybe not you (neither specified), but that’s still a form of support. Lakewood in general is a town that takes in money from others.