<prompt> Human: I owe 40k in credit card debt and over 110k student loan debt, both all racked up because I attempted law school and discovered I hated it. The credit card debt no longer accrues interest because those accounts have been written off, but my student loan interest is over 600 a month, thats the same as my rent payment. I refuse to make payments on debt when it is not actually decreasing any part of the principle. I plan to die young and switch jobs once a year to keep my wages from being garnished. Its bullshit that I cant dispose of my debt in bankruptcy.I dont know any other way to address the problem. The minimum payments they want me to make would eat up the extra bit of money I have and it just doesnt seem worth it to throw money into a hole for 25 or 30 years.That means I would be 50 or 60 before the debt is paid off and it seems pretty risky to burden myself with paying off this debt when I can live a better life by taking my cash.Im in an industry where it is easy to switch companies every year, so I am not worried about garnishment.Im posting this because maybe someone here can convince me my life would actually be better if I start making minimum payments.Edit: I am 33 and make 20k a year though I should make 25k this year doing cable and satellite installs. I enjoy my job and the top earners in my industry make between 50 and 70k, but those are the best techs who have been doing it 5 or more years. I have been doing it for about 2 years. I switched from a legal and IT background to working outdoors because I was not motivated or happy sitting behind a desk. My current goals in life are growing my social connections and enjoying time outdoors which is cheap.Yes, I am self-centered, I have let society down, but I was promised by my family that they would pay for my graduate school, but they never did and it turns out they cant. I never was under the impression that I would be paying off these loans without help or I would have never taken them out.  <response>: This is not a good plan. I recommend writing down a list of where you want to be in life five years from now, ten years from now, and twenty years from now.Im serious, write it down, even if the answer is living in a van by the river. It doesnt matter what your goals are, it just matters that you set them. Is switching jobs every year going to give you the type of income youll need to reach those goals?I recommend looking into your options on income-based repayment ICR or similar plans for your student loans. Those will never, ever, ever, ever go away.You have a similar attitude that a lot of my friends from college had about smoking cigarettes. They would say - It doesnt matter that Im hurting my body, I dont plan on living till Im 80 anyway. What they didnt realize is that its not about dying young, its about spending the last years of your life lugging an oxygen tank around, struggling for every breath, still craving a cigarette. Its about coughing your lungs out while the people you love watch you die slowly. Its the same with your attitude about money. Live life on the edge, go crazy, die young, carpe diem - Im for that more than most people I know. What you should not do is limit yourself, your potential, and your capacity to help others, by being selfish enough to piss away your student loans and switch jobs every year. 