<prompt> Human: Im having a pity party.20 or so years ago I took out student loans to attend a for profit university. Saw a girl get murdered, dropped out, etc, etc, etc...Fast forward to today.Principal balance is 27,000. Im 40 and making only 13.50 an hour. My expenses are low... really low. I pay roughly 350month rent. About 250month utilities cell, internet and electricity at its highest. Pretty cheap insurance, full coverage at 65month or so and about 30week for gas.I do, however, have a life. I like to camphike so my summers are pretty full with weekend outings, here is my plight.I understand I borrowed the money. I understand I defaulted for nearly 20 years. I rehabilitated my loan and applied for an IBR plan... awesome... my payments are 0. All cool n what... but if we take my life now to be the norm, in 25 years when I qualify for loan forgiveness that 27,000 debt will balloon to something like 80,000 to 100,000. Then I have to pay taxes on that crazy sum... how the hell does that help me?The only thing I can figure to do is start now, put 150 a month or so away in a super secret bank account that I cant acknowledge exists in order to pay a tax bill in 25 years or so when they settle my debt as earned income.I know I screwed up. I could have taken care of it when it was only a 12,000 debt. We are beyond that now. Im 40. I cant keep going like this, I dont have a degree, I earn barely a living wage at 13.50hr, cant afford health insurance its like 100 a week at my present job, and see this now current student loan as being focus of my existence until I retire a broken old fogger living in a campershell thats mounted on an old Toyota pickup truck in walmart parking lot. All because I spent a couple years in a predatory college I had no business being in in the first place.Im in a dark place. Could use some advice. Edit - student loan is at 6 interest, accruing roughly 160month in interest, amortized into the principal yearly.  <response>: Make more money, literally the only answer. How you make that money is down to you. Second job? Reskill? Either way, its probably going to take some of those weekends. It comes across that youve coasted through life with your head in the sand waiting for the weekends. You need to grow up. 