<prompt> Human: I was recently talking to a co-worker who told me that he has no intention of ever paying off his student loans. He said that hes able to delay his payments for 3 months at a time perpetually for financial difficulty on the federal student aid website. He said that he makes 1 payment and then delays his payments for three months over and over again and that he has done this for about a year and a half now. I told him that interest keeps accruing even if you delay payments. He said I know, but Im just gonna keep doing this until I die, Im never paying them off.Is this really allowed? Can the DOE force him into bankruptcy and foreclose on assets due to this type of abuse? It just seems ridiculous that this could even be possible.  <response>: Its no way to live. 