An explanation for this divergence might lie in the fact that while younger borrowers are more commonly underwater, they are underwater by less than those in older agecohorts.
Though Gen Yers in the independent work force are the least satisfied of all the agecohorts and the least likely to have chosen that route (40%), even they show 65% satisfaction.
One way we can test this is to look at the wages of those women who do not have children and in the UK at least, never married no children women have higher wages than their male agecohorts.