[sjg007]

5. Unsecured debt is unsecured! You should feel free by that! They took the risk on you! If you can't pay, don't.. yes your credit will hurt and it will hurt some future plans potentially but at the same time it is not the end of the world.

[amorphid]

I see you've never had student loans in the USA :) There's no way to escape those unless you're in a permanent coma and Obama is still POTUS.

[sjg007]

Student loans are secured. They are secured to your future income, tax refunds, and social security. Only dischargeable in extreme hardship. They are basically the most secure debt in the country.