Having read the lyrics for the song, I'm not sure that the song is encouraging at all, on the payback perspective. Talking about having two jobs and destroyed

Having read the lyrics for the song, I'm not sure that the song is encouraging at all, on the payback perspective. Talking about having two jobs and destroyed credit seems to me more like having the loans paid off is more like getting out of some kind of imprisonment (I do not want to disparage how terrible imprisonment is in the US, but I couldn't think of something better). I would argue that this song is more an anthem for those who understand how hard it is to live under the weight of these loans, and perhaps if you are fortunate enough to pay them off, it is a time of celebration, as you might be able to quit that second job.