It's one of several examples of poor research in the film.
Even if the four prior generations of graduates were born with their parents at an average age of 25, which is young for Ivy League grads to be having kids, that's roughly 43 years between generations. 43 x 5 = 215 years. 2012 - 215 = 1803. The Ivy league schools didn't start graduating black students until after the Civil War.
The wage garnishment thing is totally wrong. IRS (and state income tax) garnishment rules require that a person whose wages are being garnished for back taxes, child support or anything else can't garnish the portion of the wages are are more or less a "basic allowance". If she was working 80 hours at minimum wage, there would have been no wages available for the IRS to garnish, as her total earnings would have been less than the basic allowance for a head of household with one dependent. Payroll and/or HR departments are mandated to give employees who have been hit with a wage garnishment order forms to fill out to claim their basic allowance.
And in the final scene when they're all aboard the flight to Africa, that's not possible either. You can get a passport in one day, although it isn't easy. But there's no way the mother and daughter got passports that night after getting the tickets, in order to board the flight the following morning.
Jake: How often does the train go by?
Elwood: So often that you won't even notice it.
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