What would you do?

[wazu]

Originally Posted by Saul Good

There's even more value in knowing that you've got the $17,500 sitting in an account in case you need it and then not needing it.

It's a slow build to $11,200. Oh, and he gets to deal with creditors for the next five years harassing him. And a destroyed credit rating. (Note: this may not be important unless there are job opportunities that require a credit/background check.) And at the end of it all he would be counting on nobody changing the "forgiveness" rules.

No thanks. If you can shed that monkey, then do it.