It's a simple formula. Debt to income. Is she paid a wage she could live on if she was not saddled with debt she would not have acquired without you?
We aren't always speaking in terms of wages alone. A retirement plan and insurance at little or no cost to employees. Grievance machinery. Very important and worth their wait in gold.
I can tell you this, you seem to think the YRC guys have it so bad but it is still one of the best ltl jobs out there. There are only 2 better around here and they are both union.
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