<prompt> Human: I had the idea of gathering a few masks and buddies for a attempt at a Point Break lifestyle, but would like some practical advice. Basically, after 7 years of college, I now have 140,000k in debt to Navient. Should I even care about this much debt? Even my minimum payment is roughly half of my monthly salary. I have found a few companies which offer to reduce payments, but the reduction is still not enough. Any advice is greatly appreciated. Thanks.  <response>: Yes. Yes, you should care. Yes. 