<prompt> Human: So he decided hes not going to pay his student loans anymore. Because when they sue him, you always settle for less in court, so its a win. He claims he already talked to lawyers and hes all good.I guess he just doesnt think about legal fees or the massive dent hes gonna put in his credit or any other residual shit that comes with not paying back a loan. I want to explain to him as clearly and firmly as possible that hes making a major life mistake.He just quit his job whole other kind of stupidity but should be employed again soon and he is able to pay his loans; he just has to be frugal with his budget.Thanks!Assistant: I dont think student loans ever settle in court.They just keep piling on the interest and the fees and convince the government to take away anyall tax returns and start garnishing wages.Human: What if theyre private loans? He claims to have spoken to a lawyer about this...Assistant: Does his lawyer get paid even if the loans arent settled? Human: Not sure. Hes very reluctant to share any details with us because he knows we think its the wrong decision.  <response>: Option 1: Actively disagree with his decision. invest your energy into helping him understand reality he is making a bad decision. Over time your relationship will crumble and one or both of you will hang on to what used to be a great friendship. Neither will be happy in the end.Option 2: Passively disagree with his decision. Listen, acknowledge and disengage. Youll have a hard time avoiding the conversation and youll bear the burden of letting it pass. Youll sacrifice your happiness for his pseudo happiness. Neither will be truly happy.Option 3: Agree with his decision. You have to recognize that a friend is there for guidance, not control. Youve provided your perspective and hes made his decision. Youll have a hard time not saying I told you so, when things fall apart. You may not want to be his friend during or after this, but at least it will be a choice you make with a clear head.None of the options in front of you are perfect, but you have to make a decision. I know you came her for the financial advice... Time and time again these lean more towards personal advice. Hope that helps! 