<prompt> Human: I was eavesdropping tonight on a conversation that kind of confused me. This guy was explaining to his friend that hes defaulting on his student loans, but not to worry because its okay I have a life insurance policy, which is cheaper in the long run. His friend nodded knowingly. All I could think was Why? Sate my curiosity. Is there an actual logical reason to do this?Edit: Wow, this turned out darker than I was expecting. I dont know if this helps, but the defaulting man was a bartender and he looked pretty healthy. He didnt seem sarcastic, or like he was joking, just slightly preoccupied with the ASU vs SDS college basketball game. Yes, Im in the US. Edit again: Apparently I wrote the wrong teams above, so Im just going to write college basketball game.  <response>: Closest I can come up with:His friend co-signed his loan.He cant afford to pay any longer.He has a life insurance policy which would cover the cost of the loan.His friend needs to arrange to have him killed to collect on the life insurance.Once collected, his friend will be able to pay off the loan, freeing himself from the debt.Thats the only logical one. If his friend didnt co-sign, then the debt will probably get collected from his estate. Maybe the life insurance is because he wants to pay off the loan, but cant afford to until after hes dead when the life insurance policy will cover his loans.Or maybe hes confused and his friend doesnt know or care enough to figure out why hes defaulting and what he thinks itll accomplish. Alternatively, hes terminally ill and has no co-signers and doesnt want to file for forgiveness. 