<prompt> Human: Hi people of Reddit.I am an engineer from South Africa, I read this subreddit regularly and find it baffling that education is so expensive in the USA and people are willing to take on 200k dollar loans to sown years trying to pay it back. Never the less, my question is, say you have just qualified as a medical doctor with 200 - 250k dollar student loan, judging from the posts here most people who arent going to be making a massive salary will basically be a slave to their education costs for a very long time. and you cant find lose your job. Is it an option to file for bankruptcy? Ps, if you took a 50k dollar loan you could study at university of Cape Town top50 university in the world, google it in SA arguably one of the most beautiful cities in the world have a complete blast for a few years partying and studying including rent and spending money and go back to the us with tiny debt compared to studying in america. Just a suggestion for anyone to consider.  <response>: Public education often isnt that expensive in the USA, there are just too many lazy and entitled people who go to college here. 