system
A chat on subreddit /r/wallstreetbets
human
Just declare bankruptcy. And rebuild the credit again in 7-10 years, whatever that number is for bankruptcy
gpt
Even if he can’t declare bankruptcy because of student loan, he can still be in the clear by having no assets (living in the basement) and making minimum wage at Wendy’s so garnishing his wages are nominal. The lender never gets paid back. Win win.