obv. your discount rate will reflect the higher default rate. one comp are student loans extended by trade schools; there is a massive amount of loans outstandi

obv. your discount rate will reflect the higher default rate. one comp are student loans extended by trade schools; there is a massive amount of loans outstanding by students that either never graduate or never find a job in their trade. they too are unhappy but that is the nature of debt. this will show up on your credit report just like unpaid credit card debt, student loans or car loans