When my step-dad got divorced to his first wife, he was taking care of his kid and STILL had to pay child support to the mother, and it wasn't like 100$ a month here, it was a substantial amount. He almost lost everything taking care of his daughter , and paying his whore schizo ex-wife for a kid she wasn't even taking care of, and still he still worked full time at a decent job.
Shit happens at times and you don't expect it. People go into debt for their kids
So, people that go into money problems, or bad credit, just to do the best for their child isn't stupid or a bad, it's the right thing to do. At least you know they have their priorities set.