[codybmusser]

I'd like to hear more about this. I was under the impression that student loan debt couldn't be relieved due to bankruptcy and there weren't any options like this.

It sounds like a free pass, and that makes me think this isn't any longer true. My search for a solution was always relegated to seeking out a way to change loan terms or consolidate so that I was paying less over a longer time.

At 40% of my income to student loans for a period of 20 years, I expect I won't be able to save any income or afford to have a child until I'm... eh, 45 or so. If there's actually a free pass, I'd take it.

[Retric]

In these situations inflation is your friend. Assume 2% inflation and 5 years chips away at ~10% of cost of servicing a loan. AKA 40% of your income = 36% in 5 years and 32% in 10 years. Get 3.5% and that's 33% in 5 years and 28% in 10 years.

[allwein]

You're of course making the assumption that his income would keep pace with inflation, which sadly has not been true for a large percentage of the American population lately.