[bpodgursky]

I totally understand that this is an unpleasant and long process, but I think you in turn come from a place of ignorance about what it means to live the best years of your life under hundreds of thousands of dollars of student debt. It eats at you, every time you spend money, for decades. It's soul-crushing.

I know people who would GLADLY throw away two years of their life in bankruptcy proceedings if it means they could be free of their crushing student debt.