I dont think he is whining about repaying the loan nor is he being financially stupid. Rather he is gaming a system created by our society choices. He is in a g

I dont think he is whining about repaying the loan nor is he being financially stupid. Rather he is gaming a system created by our society choices. He is in a government repaent program where our society has said people should only be expected to pay 10% of their discrtionary income towards loans and for a fixed amount of time, 25yrs in this case. So while a financially responsible decision would be to be frugal and repay the loan, our society through our government have decided he only needs to pay 1600/mo for 25 yrs with a salary of 225k or 13k/mo after taxes. The article states he would pay 1.6 million over the 25yrs but my calculations show 19k per year and a total 480k after 25yrs assuming his income is stable. So why would he pay anymore than required, on his current government sponsored plan he doesnt even have to pay back the principle on his loan.