<prompt> Human: This is a bit of a rant, and just to put it on the table Im 23 and came out of school with a large amount of student debt. Im young and naive so take it for what its worth.There is a huge problem with my generation, and I believe it stems from a sense of entitlement. There is an issue with the cost of education, but this post wont address it.It seems that everyone wants to reap the benefits, but not be held responsible for their decisions. To often I see my peers making poor decisions financially and expecting everyone else to pick up the slack. Why is it, that people just coming out of school are already looking on how to get their debt forgiven? There are others who decide, I dont want to feel poor, so Im just not going to pay off my CC, house, etc.Bankruptcy and other options exist, but they should only be used as a last resort. Most everyone has had to make sacrifices to make ends meet one way or another, we give up that vacation, night out, or even a movie so we can pay what we owe.Live with less, spend less than what you have. We cant perpetually live above our means saying that well take care of it later, or that the government can bail me out.To often this is a me me me, I I I society. Take into consideration your neighbor that has to pay your way when you decide its to hard andor made irresponsible decisions.TL:DR; Unless you have no options, pay your debts. Those of us that do, dont want to be paying them for you.  <response>: Bankruptcy and other options existHonestly hope you dont believe this, because no matter how hard times fall upon you, those options do not exist for you. Student loans are not dischargeable in bankruptcy, and you are not paying the way for any students who have made irresponsible decisions with student loan debt. 