[mgkimsal]

While taking it all on might suck, it's totally under your control at that point. Having your credit info impacted by the decisions and actions of others can be painful.re: sarcastic - just wasn't sure how to read what you'd written.

re: monetizing - wikipedia isn't easy to monetize either - which is why they do the appeals. Without knowing your situation, I can't presume to tell you what to do, but you may find a sizeable chunk of people willing to help donate to offset your debts, perhaps in exchange for a guarantee of continued service.

re: 150k - I hope you're able to get that reduced (via forgiveness, consolidation, whatever) quickly - perhaps to $100k soon. There are a number of stories of people getting through debt quickly on various personal finance blogs. Perhaps some of those may serve as motivation from outside the tech-o-sphere.

Best wishes to you on that difficult journey.