You have 20k in loans, he has 60k in loans, nearly 3 times as much Neo. I think your comparison is unfair.
And if I can pay it off in one year, with a family to care for, there is no reason he should not be able to pay it off in three years.
Edit: And remember, I was just making some ball-park estimates. The end result is, unless one is very poor with their finances (or manages to rack up upwards of 300k in loans) there is no reason one should be paying off for more than 5-10 years, while living on their own. Even 10 years is ridiculous. It's not unreasonable to expect to find a job which pays 35k/year (16$/hr. 40 hrs/week). 15k is enough to live on if one lives frugally (and that's not doing without too much either), which leaves 20k to put towards the loans. Thus 60k ~ 3 yrs...
Edit2: I could go back to my previous job as a janitor and make 35k/year, so please don't anyone suggest that you can't make that. I could also go back to bartending and probably make closer to 50k.