Reasons why….I simply can’t without risking my survival needs. I don’t care if it ruins my credit. I will never afford a home anyways. Let alone retire or afford okayish health insurance.
I don’t think they can garnish my paychecks if I switch jobs every couple of years? It’s more cost effective anyways due to many jobs not giving true COL raises. My degree (like for most) did not offer me enough opportunity in the job market that pays a livable wage. What I owe forfeits when I’m forced to live in a capitalist hellscape that is set up to keep the poor down. You can’t get blood from the stone.