<prompt> Human: Just read on WSJ that an orthodontist owes more than 1 million on student loan. He only needs to pay back 1600 a month and after 25 years, the loan will be forgiven. If my math is approximately correct, hes looking at paying half a million total, while making 200k a year, of which only 20k goes to student loan payment. 180k is honestly a really good income to live on. So whats the downside of having that much debt looming over you? Whats stopping everyone from just loaning some absurd amount of fed loan and just invest? Im sure some math can be figured out where you if make X and have debt forgiven after 25 years, youd still come out ahead.  <response>: Not being smart enough to finish the degree and land a 200k salary. 