The fundamentals of housing I think are still a ways away from a crash. There might be selective markets that cool off or drop. I'd also say Canada is closer to

The fundamentals of housing I think are still a ways away from a crash. There might be selective markets that cool off or drop. I'd also say Canada is closer to a crash than the US is. But I wanted to mention 2 hacks for legally avoiding crippling student loan debt repayments, possibly forever. 1. Move overseas permanently. This requires you to be on an IDR (Income Driven Repayments) plan, which you have to apply for. I'm not an expert in this but I believe that public student debt will allow this but private student debt may not. Side note: never refinance your debt privately with the likes of SoFi. You lose a lot of the protections you might otherwise have. How does this work? Through the Foreign Income Tax Credit ("FITC"). US citizens living overseas still have to file annual US tax returns, something only the citizens of the US and Eretria have to do. The FITC, if you claim it, exempts the first ~$110K of income from US taxes. Why does this matter? Because if your income is below that, your Adjusted Gross Income ("AGI") goes to $0 and your IDR payments also go to $0. After living overseas for 20-25 years you can get your debt forgiven. This creates a taxable event for your loan balance but inflation will reduce the real value of that and you have 20-25 years to prepare by, for example, putting money away every month since you're not paying student loan interest over that entire period. If you are a college graduate (which is likely given you have student loan debt but you may not have graduated) then you will be able to either get a work visa and eventual residency/citizenship in many other countries or you can apply directly for skilled migration. For most developed countries you'll avoid the crippling cost of health insurance that plagues the US too; and 2. The less extreme option is to find the cheapest online community college in your state and enroll in enough credit hours in anything to qualify as a half-time student. This will probably cost you less than $1000/year. That's not nothing but it will pause repayments and stop interest accruing, so it's cheaper. Keep doing this forever.