[vuln]

How were you "tricked" into debt? Did you not do due diligence? Prior research on the commitment you made? Forced to commit under duress?

Ignorance is not an alibi.

Or as my buddy GW put it

“Ignorance of the law is no excuse in any country. If it were, the laws would lose their effect, because it can always be pretended.”

[NemoNobody]

It should be my right to go bankrupt buddy - that's the part that proves this is fucked. I've watched so many business owners take on debt with the intent of going bankrupt - that's happening every single day. I was ignorant, but I was walked into those loans by the financial aid office at my state public university.

I refuse to pay - I want to accept the consequences of not paying, take the hit on my credit report for 10 years and move on with my life.

That I can't is dangerous for everyone. Societies that create too many of me - end.