this post was submitted on 18 Mar 2025
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A Boring Dystopia
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With no DOE employees to process defaults?
Nobody should be paying a red cent.
If your choice is draining your entire bank account to the point you can't afford to live or suffering a credit score penalty, then the credit score should be sacrificed.
"but they can..."
Stop. Nothing they can do is worse than starving. Don't pay them. Use your money for your own needs.
Try getting an apartment or renewing a lease with a truly shit credit score.
Oops, you don't qualify anymore, anywhere, your options are now homelessness, much more expensive hopping between motels every 3 weeks, or live in your car, hope you're still making those payments.
Fairly difficult to cost-effectively cook and store food when you're in any of those situations.
I used to have apparently atrocious credit due to delaying payments on my student loans for years. But with proof of income it didn't stop me from getting apartments in NYC. In the last place I asked the broker what my credit score was and while he wasn't at liberty to tell me he did say "Not good. But it's all student debt related which we don't consider relevant". Still seems weird to me today but I guess landlords often don't consider student debt to be a reflection of a tenant's ability to pay rent. Probably because most people prioritize paying for shelter over paying for the classes in their past.
If this happens to too many people the economy will suffer. Eventually they'll have to start ignoring credit scores. We're rapidly reaching a point where the system can no longer compensate for the incompetencies and inequality and stuff will start breaking mechanically in ways that can't be easily fixed or routed around
Everything you are describing has been happening and increasing in severity for years.
Usually what happens in an economic contraction is that credit lending standards raise, not lessen.
The free market doesn't give a shit about bad investments, which is what you are if your credit record sucks.
... And the government is basically now run by a bunch of AnCaps and Fascists.
We're looking more likely to become an indentured servitude, debt slave, company town style society, you know, just like the 1890s, that Trump is trying to take us back to, back before the income tax and much of the government actually was funded via tariffs.
I'd love to be as optimistic as you are, but uh hey, when was the last time you fed a homeless person, personally?
America hates the homeless, shanty towns aren't even possible anymore, those are all now 'homeless encampments' that are literally bulldozed away, and all the homeless in them are 'referred' to shelters that are already full.
The easiest propoganda line to have all the media blare at everyone is just that all the people driven into homelessness by losing a job, being unable to pay a debt, serious injury or illness... well they're all violent drug addicts, and really they should all just die, or not be near me, ew.
Trump already called for creating concentration camps of massive tent cities built on the outskirts of cities for the homeless.
https://www.newsweek.com/trump-wants-make-homelessness-illegal-1795202
This is the plan, unless an actual revolution of some kind occurs.
Even then the massive inequality we have requires a lot of force to keep together, if it gets too crazy there won't be enough police officers in National Guardsman to keep Humpty together and then the rich won't have anything either. We basically have to rebuild the entire Society from scratch using the infrastructure that hasn't decayed yet and are ingenuity
So your outlook has switched from 'companies will be easier on people' to 'society will basically completely collapse to something roughly resembling the fallout universe in 2240 just hopefully without the radiation'.
... Sure, ok then, that's quite a 180.
A revolution is exactly what we need.
Oh hey it's the same corporate troll line again cool
Oh, excuse me for being crippled from a mugging and then having all my bank and id cards and phone stolen and then spending a year homeless and another year bouncing from motel to motel while trying to replace my id and unfuck my credit score with 3 bureaus without a permanent address and with a broken arm and wrist and leg, whilst also being unable to afford any medical treatment.
Yep, total corporate shill over here, totally not barely alive, only thanks to barely being able to keep my details current with social security so I could at least get disability payments.
Go fuck yourself buddy, I hope what happened to me happens to you.
Dude that sucks, but student loans didn't cause that.
... Do you think that not paying your student loans will... not result in your credit score declining, massively so if it goes into collections?
https://lendedu.com/blog/student-loans-in-collections/
90 days, 3 missed payments for private student loans, 270 days, 9 missed payments for DoE Federal student loans.
That missed payment count starts ticking whenever payment deferral period ceases, and you can't make the minimum payment, and make a smaller payment than that, or none at all.
That counts as being delinquent, unless you've specifically negotiated, before hand, some other kind of repayment plan... which is extremely difficult to do, if not functionally impossible in most cases.
Student loans, quite specifically, are very difficult, nearly impossible to be discharged in a bankruptcy in the US.
Personal bankruptcy nukes your credit scores and records anyway, but may make overall sense as less bad in some situations... but you'd wanna consult a lawyer on that, and... it still doesn't get you out of everything, your wages will be garnished, and if your debt is student loans, you're still on the hook for all of it.
You are telling people to condemn themselves to ruin.
Unless you could somehow organize and coordinate ... basically over a majority, ideally a super majority of student loan payers to boycott their payments, and pair that all with some actual concrete strategy for acheiving specific demands on the government... and keep doing so for years... you are advocating insanity.
It's basically on the same level as telling people to just stop paying income taxes, stop renewing their drivers liscenses.
The few that go through with your idea would just eventually be arrested for not showing up for a court summons eventually issued by a debt collector.
Given the total, utter inability of any meaningful resistance movement to organize thus far, I am extremely doubtful your strategy is sound.
...
Maybe, maybe if student loan payers get super lucky and the DoE somehow accidentally deletes all their student loan records, (or if someone somehow Tyler Durdens every single computer system and all paperwork that keeps track of such records) then your course of action would work...
...but what is much more likely to happen is that the DoE will move all of its loan servicing operations over to private loan/debt servicers as basically the last thing it does before dissolving itself entirely.
Those private entities will skim a bit more off the top, and also make sure the Fed Gov gets its owed money.
So... yeah, unless your plan involves starting armed militias to resist police arresting people for being failing to show when the debt collectors eventually sue them, your plan is bogus.
Good luck collecting that dept when nobody is paying it while most government thugs are busy rounding up everyone brown and sending them to death camps.
Holy shut the fuck up batman
Yeah sure, wouldn't want facts around how student debt and collections actually work get in the way of your egotistical babybrained perfomative e-activism.
Please go back to reddit.
I wish more people understood no one can stop you if there is no one to stop you.
I wish Trump didn't understand that.
Fair point but if a dumbfuck like Trump understands it then it's much sadder that others don't.
he seems not to.
"I could stand in the middle of Fifth Avenue and shoot somebody, and I wouldn't lose any voters"
-- Trump, 2016
In retrospect he understood all too well, and figured it out way earlier than most.
The problem is they're always has been. But that might not be true in 6 months time so stay alert
I've been neglecting my payments for a long time since I literally just can't afford it. I've been meaning to get around to doing an income-based plan or whatever but the more I see the less it seems worth my time to bother since not only will nothing happen good but they might not even be governed employees too make the bad things happen either. I've basically given up on having anything in my name financially but if the United States federal government disappears then I'm home free to start fresh and whatever new system comes after, hopefully we choose something good like anarchist communism
Doesn’t that sort of depend on your loan, though? Like if you have one that’s serviced by a loan provider, doesn’t that provider deal with it if you default?
Or is it that the provider requires the DOE to process the default?
Only one way to find out.
lol. I like the cut of your jib.