University loan debt on anything other than STEM is a tax on being gullible.
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And you’re 32 years old.

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STEM with H1B is going to be in the same boat.
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I'm a nurse who graduated with a class of 60 that probably had 90% take out loans. Not me. I used my savings. I don't care what profession you are in....except the military. Pay it back.
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Or the humanities requirement for an Accounting Major. 9 units average cost per unit $500, $4500 tax plus the time not gained in the work forces. Do you care if your CPA know who the Generals were in some Civil War battle?
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Paid my way through. Junior College for two years and then finished up. No debt here.
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My favorite debt offenders are people who take leadership and management classes and then immediately realize not one person wants to listen a 24 year old with zero experience.
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