[D13Fd]

> marrying, then being a stay at home mom or working under the table jobs so that she can default without getting her wages garnished.

~200k in student debt or other debt? My understanding is that most student debt in the US is non-dischargeable in bankruptcy, so defaulting and destroying your credit doesn't do you that much good.

Also if it's student debt, seems like a bad plan to incur it in the first place if the plan is not to work.

If it's not student debt, then I don't see how it is particularly relevant to the conversation here.

[zeroCalories]

It is student debt. She doesn't make enough money to pay it back without living very frugally for over two decades. She has already had her interest rates lowered because of this. Her plan is to stop making taxable money asap so that the government won't be able to get the loan back. Risky? Sure, but she really just needs to find a husband okay with a stay at home wife and she's set.