Fridays are especially unnerving; debt collectors work with law enforcement to arrest debtors on Friday afternoons so they cannot process bail and must remain in jail until Monday. This is illegal is some states but, in the case of debt collections, legality is irrelevant.
Hope for Change?
Student Loan Deadbeats cannot buy houses. We don't pay much income or property tax since we don't make much money or own assets. I've learned to live below my means. I am a "non-consumer."
On a lighter note, I am free of the headaches that go with full-time jobs and "owning" houses and cars. No more office politics, no more maintenance and repairs, no more worrying about making a mortgage payment on a house actually owned by a bank.
I've discovered James Altucher [v] and his unique perspective. He has helped me see my situation as a positive rather than a negative. His words have given me the incentive to fight.
Making a living by my wits, living off the grid, leaving the rat race and conquering silly materialistic urges has helped me grow as a person. I fear less and take more risk. And I practice "onedownsmanship" with pride.
I'm learning not only to embrace my no-strings-attached lifestyle, but to love it. You can call me a loser but, the way I see it, I'm a winner.
If you're drowning in student loan debt, or are now in default, stop being a victim. Stop playing a rigged game. Avoid applying for credit. Live simply, and stay off the grid. Live with roommates, borrow the things you need and barter your talents in exchange for necessities. Keep track and claim all your income and make sure you pay all taxes you owe. (There is nothing wrong with paying taxes; everyone should pay their fair share. Only greedy criminals and spineless lemmings avoid paying their taxes.)
Become a proud Student Loan Deadbeat and show the world that student loan debt is nothing to be ashamed of. Talk about it. Write about it. Debt prison is a mental construct, so free yourself in your mind.
But remember, you're still a target of the powerful game players so be careful and mindful as you embrace your newly found freedom.
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