@Bernard
It's a misconception that poor people with debt cannot have children.
Historically over 99% of children were born to poor parents. There are only 3 conditions for that:
1. Man and woman must have sex and he must cum in her pussy.
2. They must not use any contraceptive (birth pills, condom, IUD, etc).
3. The woman must not abort the baby.

Basically, the woman has to not stop it and it will occur naturally. It has nothing to do with affordability or we would gone extinct eons ago.