<prompt> Human: Convince me to change my mind. Im sure Im going to hear how much of a fucking idiot I am. And youre right, I was stupid, my father was stupid, nobody warned me not to get into this shit, and here I am. College dropout after 4 years with 30,000. Consider it Civil Disobedience.EDIT: Federal, 20,207.26 DL Consolidated Subsidized at 5.2512,174.03 DL Unsubsidized at 5.25224.02 monthly. Apparently I no longer qualify for IBR because I consolidated my loans. What kind of a stupidass rule is that???EDIT: Thanks for all the input. Mind changed, still raging against the machine though.  <response>: How do you expect to live when your wages are garnished? When you have no credit rating and cant buy a home or rent better than a hovel or get affordable insurance.Planning on leaving the country forever?You could easily ruin your life over what is a surmountable obstacle. 