But your future employer may care about indications of your character and future behavior while under their employ. I've heard of companies running credit-histo

But your future employer may care about indications of your character and future behavior while under their employ. I've heard of companies running credit-history checks to discern whether a prospect is a risk of embezzlement. I'm not saying the judgement / assumptions would be correct, but it's quite possible some employers would act this way all the same. Therefore it's a big incentive to pay your money back.