I'm saying you can stop paying, Im not saying you won't still owe them, but I know people who owe tens of thousands in student loans and have not paid them a cent in over ten years, they have a credit score of around 800, its never affected their ability to get any kind of credit or housing.
I think people over estimate how important they are or what kind of consequences there are for not paying as if it ruins your credit score forever or something, and its just not true.
By default I just mean stop paying. You can't get rid of the debt by bankruptcy or anything, you still owe it, but it also doesn't affect peoples credit score as much as many seem to think it does.