Completely agreed which is why I think it's bizarre that the loans cannot be dismissed. Bankruptcy has similar effects and lasts for 10 years! The reason I ment

Completely agreed which is why I think it's bizarre that the loans cannot be dismissed. Bankruptcy has similar effects and lasts for 10 years! The reason I mention it is he was talking about $471/month with 0 principal progress on a salary of $18,000 was driving him to literal suicide. At that point taking the 15% and consequences is undoubtedly a better solution.