Exactly. He could pay the loan back in a few years if he tried to do so. He is paying back ~10%. There comes a point when you don't need to spend all your ca

Exactly. He could pay the loan back in a few years if he tried to do so. He is paying back ~10%. There comes a point when you don't need to spend all your cash . Someone making 225k can pay back a far greater % than someone making 100k can. Live within your means, pay back the money you owe in a few years, and then you will be far ahead. He has simply chosen not to do that.