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Joined 2 years ago
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Cake day: August 7th, 2023

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  • Underpay one year, get on a super cheap repayment plan (say, $100/mo).

    Then keep underpaying and they just tack it on to the balance but your payment stays the same.

    My friend has been doing it for 8+ years now and has racked up six figures+. I’ve only been doing it for 3ish.

    I don’t actually advise this as I’m not a lawyer or an accountant and it could go very badly.

    If garnishment does happen, one possible advantage is that most of my jobs are 1099 contract nowadays so maybe I could skirt that? I honestly don’t know. I don’t care right now, in roughly a year I plan to leave the US and never return.