<prompt> Human: I just took out my first student loan and Im clueless. How strict do I have to be on only spending it on something as vague as educational-related expenses. Do I have to keep track of everything? If I buy headphones or gas money, can I be defaulted? Are people randomly audited?  <response>: They basically dont care. Because student loans cant even be discharged in bankruptcy, they know that they own you for life regardless of what you spend it on. So theres no incentive to audit at all. 