LifeonLoan

I should add I almost paid my private loan off (15k out of 30k, now 45k). I was working very hard as an analyst and my health just couldn't take it.

I don't have a plan. Right now my plan is food/shelter. Then probably health insurance/physician.

The stress? It wavers from day to day. I would say the largest effect is the psychological. I hate debt. I very much care about my word as my honor and it bifurcates me in a strange way that it feels like part of me is lost in dishonor as I owe so much I cannot repay. I love the USA and had plans at one time to run as an honest politician (I know, right?). I try not to let its increasing value devalue my self-conception if that makes sense.

My school is a top 5 in earning potential. So yes, I can if I pass the bar.

Thank you. I have no idea what all this "calling out" and assuming I am lying is coming from. If I give away my school that's super easy to figure out who I am because everyone knows. Pretty sure I'm done with this thread as most people aren't even reading the comments anymore.

Starting my new job today is all I want focus on :)

How about in law? For doctors you graduate you get to practice, in law you graduate you have to take all the tests all over again.

Definitely splitting the fields here.

I have. There's 2 types Chapter 7 and Chapter 13.

Chapter 7 is very tough on loans both private and federal. This is to totally eliminate debt. You have to prove extreme disability and inability to repay. I may be able to do that, but again that would mean probably not practicing law ever after declaring myself disabled. It's a toss up really and in many ways looks very poorly on one's record (I think it stays for 7 years).

Chapter 13 is more of an option for me right now. I don't have to prove disability for the next 5 years, the court will adjust loan payments according to my needs, which may be 0. This will be good if I get served by my private loan holder, to keep my wages from being garnished.

Also, if anyone is curious if you move to Pennsylvania or Texas your wages cannot be garnished.

TLDR: Yes, I have. Chapter 13 bankruptcy may help me if my wages get garnished.