Thread: Married Men buried by Wives' Student Debt

Check this out:

Long story short, we currently owe about $55k in student loans from my wife's time in grad school, which she did not complete. We never paid a single dime, but got a few years of deferment and forbearance. We're not exactly sure when she went into default, but we believe it's somewhere between 2009 and 2011.


We're actually not sure if these loans are federal or private. She's long since forgotten where the loans came from, and of course the account information she'd need to log into any systems. The loans have been in collections forever, currently the letters are coming from Allied Interstate.


She doesn't currently (nor has she ever) worked after taking the loans out.

https://www.reddit.com/r/studentloan..._for_10_years/

Link for the whole mess. This guy is basically dooming his life for the next decades, avoiding serious work because it will just go to pay the debt.

Many husbands on this subreddit asking for help on student debt they incurred through their wife.
https://www.reddit.com/r/studentloan...&restrict_sr=1

Women consistently have higher student debt because they don't save money; they spend too much on apartment rent, spend too much in general (for some data points, see my writeup from a while back: https://www.goingyourownway.com/mgto...r+pan+syndrome)

Also see this link (page 13). After 12 years from college, men have paid off almost half their student debt while women have paid off only about a quarter (data for white borrowers). So-called wage gap has little to do with it; largest gaps are when men and women are in their 40s and men move into management and women don't. This data was from ages 18 to 30.

So add this to the list of reasons women seek out male beta providers in their 30s: "some lamewad I'm not even attracted to, to pay off my student debt."

You were responsible, you paid off your debt. She was acting like a dog in heat, humping every man who her hindbrain figured would be a "resource-controlling male" circa 50,000 BC, spending with reckless abandon. You're not husband material because she's suddenly into you in your 30s. Your bill-payer material; your someone who can still get a mortgage to buy a home because your credit isn't f@#$#ed.

Add this to the ever-growing list to never marry. Notch count AND student debt too damn high. (Also consider how responsible she'll be with your money when this is the crisis she created with her own).

Tradcon is as close as we've come to how things are supposed to be. The problem is it needs to be imposed on the feminine by the masculine. Collectively we are too cucked for that.

In traditional roles, women wouldn't have any student loans and there would be no problem.

Woulda shoulda coulda....

A friends wife did a few terms long ago, and of course she made no attempt to pay anything back. She had used me as a reference when applying for the loan, so every few years the loan company would ask me where she was. Last time I said my friends were kidnapped by space aliens and lived on the moon where they took it in the butt every night. I said some loan officers deserved to be there too, for being stupid enough to loan my friends wife money.

Then ten years or so went by, and for whatever reason the loan was written off. This turned out to be bad, since the IRS sees forgiven loans as income, and they cant be ignored like a loan company. So they had to make a deal on the spot to pay the taxman so much a month and then live on what was left. Not the end of the world, but a major inconvenience just the same. Sure glad it wasn't me going through this crap.

I go without FOOD time to time to release myself from debt! Somehow manna from heaven always arrives at the last hour!
Just a couple days ago, along with a large deposit, I deposited all my rolled up coinage to cover and eradicate a credit card bill! My credit score was in the mid to upper 800s last I checked. I'm just a big ripe juicy extraction waiting to happen!

How any man can endure austerity then in times of prosperity forget all that and allow a women to manipulate him and ruin him financially is beyond me!

The very last women I was with implored me to spend spend spend on dinner and entertainment every night of the week! After we split she lost EVERYTHING, house, car, all of it, BANK REPOSSESSED and FORECLOSURE! But no worries, Big Daddy .gov was there to bail her out with food, medical, housing, and utilities! They truly can do no wrong because accountability in not in their DNA!

Honestly, after her, I said FUCK THAT! I wouldn't be here writing this post if I didn't flee from her! Liberated women are extremely hazardous, like feral hungry lions and we're a slab of beef! Now I have no compassion, empathy, or sympathy for their plight! Let them learn female weaknesses and woes in gender studies instead of "how to hate men".

Can't really comment too much on this as education in Ireland is free (for the individual, obviously we all pay through taxes) up to and including undergraduate degree level.

Free Fees Initiative

That being said I've never met a female that was good with finances.

I feel for you bro's.

Yeah, shit like this really pisses me off. I worked my ass off in school. I planned out my entire career and the path I would take to get there starting when I was 19. From the get-go I was aiming for a high paying, in demand career. I took on one of the hardest degree programs in the country, and I worked my fucking ass off. I refused to give up until I accomplished my goal.

The whole time I was in school, both undergrad and doctorate, I'd talk to all these stupid young college sluts. One of the first things I would ask every single one of them was, "what is your major?" to which they'd always have some stupid reply like music appreciation, theater, underwater basket weaving, etc. The very next question I'd ask was what they plan to do with their degree after they finish school. Almost every single one of them would just get this blank expression like I was speaking a foreign language, and tell me they didn't know.

I watched as these sluts traveled and studied abroad, went out drinking and taking new cocks every other night, and barely passed or failed out of their ridiculous nonsense degree programs. They drank $5 cups of Starbucks every single day, wore expensive slutty clothes that say "pink" on the ass or "north face". They drove nice brand new cars, went out to eat constantly since none of them could cook, and went out drinking and partying every night of the week.

Then when they got out, it's like some big surprise that there is no great high status career waiting for them. Well no shit! If you never even took that most basic first step of planning out your career, and you had no idea what you were doing or no goals the whole time you were in school, why would you expect anything else? Now all the democrats want "student loan forgiveness" which sounds like a bailout for women, but it's really another bailout for the banks. These useless cunts are just not paying back their loans, and there is nothing to repossess but useless paper.

The government guaranteed loans from Freddie and Fannie for expensive degrees that people couldn't afford, which also drove up the cost for real degrees like the one I got. It's the exact same thing they did with guaranteed mortgages which led to the 2008 recession which we never recovered. But I still got my degree, and I took on enough debt to buy a house...a NICE house.

Now I'm paying back my loan as fast as I can. I've spent well over a hundred thousand dollars on it already just in the few short years I've been working. Now they want to take more money out of my paycheck, and out of the paychecks of men who never even went to college, who were responsible and worked at REAL jobs, MEN'S jobs, to pay for these useless snowflakes.

Well, the joke is on them. These whores will be stuck with their debts forever. And if the government does try to bail them out, it will lead to an even greater recession. The Fed won't be able to cut rates this time, and the only financial institution big enough to bail out the Fed is the IMF. Regardless of what they do, they will either cause hyperinflation or such a severe recession that all these useless whores will be selling their asses for sandwiches.

When that day comes, I'm going to laugh my ass off. I don't care how badly I get burned by their mistakes. I have a valuable skill. I'm a hard working man, and I will always find a way to survive. They're on their own this time. They're gonna get what's coming to them no matter what. There is no way out for them this time, and there is no way the government can step in and save them like they always did before. Men won't be able to save them either, nor will they want to.

It's coming soon gentleman. Better make sure you're prepared. Don't get caught off guard like all these useless snowflakes. Protect yourself and your assets, and be ready for anything.

Another one:

_______

I'm married, I am a 32 YO male my wife a 31 YO female. We got married 4 years ago, I bought the house (signed the papers) the day before we got married. My name is the only name on it, her credit was already a lot worse than mine.
I have school loans and a degree that I am well on my way to paying back. I make pretty good money for the area. I have less than 25K left and started with about 50K around 7 years ago. I plan to have that paid in full within the next two years.
My wife... well lets just say she has a lot. I think they've all since defaulted, but she was paying upwards of $900 a month and that was on a "payment arrangement". The full amount would have been well past 1K if she had gone that route. They are all private loans through sallie mae / navient as her parents made too much money to get any kind of help. Her principal was close to 90K... with interest and fines and fees and whatever.. it's probably well past 100K at this point.
My wife struggles with a lot of mental health issues, as well as one or two physical health issues and as such hasn't been able to work lately (most of this year) and is currently not working. Her vehicle was financed in my name and is now paid off. It was bought before we got married. Basically everything is in my name, and for the most part was before we got married. Anything bought after we got married was still in my name.
I'm a person who believes in honoring obligations, but I feel this situation is largely inescapable. It'd have us living at or near poverty level for a very long time. I don't completely dismiss the idea of making good on the debt, but the interest and penalties and all that other nonsense is staggering. My wife paid them about 8K a year for four or five years at least and each year somehow ended up having the balance continue to go up instead of down. Just nonsense in my opinion. I'd be willing (and cautious) to negotiate a deal with them, but from overhearing conversations shes had with them, they don't appear to be the most reasonable group on the planet...

https://www.reddit.com/r/studentloan..._what_can_and/

Wife- likely carouseler with resulting "mental health" issues. Man- playing Capt Save a Ho in every way possible.

A note to all the men that still might want to marry one of the debt traps.

Gov Backed Student Loans CANT be discharged in Bankruptcy. The Gov backs the bank, not the borrower. The borrower will have their IRS refunds kept first, liquid assests seized, then wages garnished until all the P&I and fees are recovered

I have no sympathy for those men actually, not because I dont understand that there is something wrong in being accountable for someone else faults but for that fact that they turned off their brain and decided with emotions instead of brainpower.

What they do in fact complicates the life for other people too, it basically tells women that they can fvck up their own life and they will still find some sucker to take the blame for it.

No one is gonna shame them, mock them or simply ignore them therefore they have no real to review their behaviour and do something we men all do everyday which is thinking about the conseguences before doing something we would like to.

If it takes 100k men to suffer to fix a problem they contributed to create, let it be.

Originally Posted by Jackal

I have no sympathy for those men actually, not because I dont understand that there is something wrong in being accountable for someone else faults but for that fact that they turned off their brain and decided with emotions instead of brainpower.

What they do in fact complicates the life for other people too, it basically tells women that they can fvck up their own life and they will still find some sucker to take the blame for it.

No one is gonna shame them, mock them or simply ignore them therefore they have no real to review their behaviour and do something we men all do everyday which is thinking about the conseguences before doing something we would like to.

If it takes 100k men to suffer to fix a problem they contributed to create, let it be.

Fkn A! Brother! I'm declining a wedding invitation because I swore off that manburger feast swearing to never attend another!

The groom is an ignorant know-it-all that has it coming! He looks down on my family as if we're lower forms of life. I'm standing on the sidelines nor uttering a word! He has life by the balls and doesn't respect that fact, he's worth north of half a million with all the bells and whistles! I'm gonna enjoy watching the courts treat him like a CRIMINAL as they proceed in the divorce rape of a lifetime!

If pride goeth before the fall, then this guy is gonna break through earth's crust! I'm gonna watch the whole show in spite of knowing the closing scene! He needs to loose some wealth and gain some humility! It's like watching someone shoot off a flair gun in dirigible full of hydrogen! His shit is going down! HARD! Fuckem!

I think the men who shoulder this burden are in for a shocking discovery: you can buy sex, but you cannot buy loyalty or love. Once men trade their resource for services (sex), they become a disposable tool to be placed in a storage box for the next yard sale. As more men wake up to those facts, there will be a huge increase in the number of screeching wine aunts in the next decade.

Better buy some earplugs, its gonna get loud!

Originally Posted by FrankS

A note to all the men that still might want to marry one of the debt traps.

Gov Backed Student Loans CANT be discharged in Bankruptcy. The Gov backs the bank, not the borrower. The borrower will have their IRS refunds kept first, liquid assests seized, then wages garnished until all the P&I and fees are recovered

Did women really think Biden would cancel their Student Loan Debt?? Biden says, nope. OK fellas, the women will be working OT now trying to find a simp

Biden says he’s ‘unlikely’ to cancel $50,000 in student debt, dispelling notion of leading ‘most progressive’ administration — RT USA News

Originally Posted by FrankS

Did women really think Biden would cancel their Student Loan Debt?? Biden says, nope. OK fellas, the women will be working OT now trying to find a simp

Biden says he’s ‘unlikely’ to cancel $50,000 in student debt, dispelling notion of leading ‘most progressive’ administration — RT USA News

First off, Frank, who said they think? They're like chickens, their attention and comprehension span is moment to moment, direction to direction in any direction.

Getting worthless degrees in what's basically a degree in 5th grade social studies, but with total feminist indoctrination and bias slant.

The only worthwhile social degree in not offered in universities, it's here, it's MGTOW 101 for dummies, our philosophy can save you $50K in less time it takes you to sneeze! Nothing is more expensive than a woman! Nothing! Put a price on your sanity and happiness with a mandated debt that can be life long and far reaching, even come back to haunt you and steal your freedom.

Delusional expectations have a way of being shattered by the hard core physics of reality.

MGTOW rhyme; All the kings horses, and all the kings men, couldn't get Jack back to work again.

Originally Posted by FrankS

Did women really think Biden would cancel their Student Loan Debt?? Biden says, nope. OK fellas, the women will be working OT now trying to find a simp

Biden says he’s ‘unlikely’ to cancel $50,000 in student debt, dispelling notion of leading ‘most progressive’ administration — RT USA News

He could do much better than Bernie Freestuff and just change the laws to allow bankruptcy to include student debts, rather than forcing taxpayers to pay for the scam. Those predatory lenders deserve 100% to have to eat those loans, or go after the predatory universities to get it back. Lending somebody $100k they cannot bankruptcy away for a useless degree that will never make decent money is modern day slavery, and anybody participating in it knew what they were doing is wrong.

Originally Posted by mgtower

but with total feminist indoctrination and bias slant.

QFT. The other year I spent 2 weeks banging a chick straight out of university, the feminist garbage coming out of her mouth was unreal. I'm not sure that it's academia doing this directly. Maybe just the power of thousands of young, stupid women in one place while being told that they are brilliant even though that assertion is extremely unlikely to pan out after school is over.

Honestly...

I suspect a lot of these women who go to university to take some pointless degree probably would have been happy to just marry a guy and have kids instead. The problem is that if they admitted this to their parents they would hit the roof. Society (especially the U.S) really loves to push tertiary education, to the point you're considered a complete loser if you haven't attended college or are just happy to 'settle' for being a housewife.
I recall one particular U.S reality show where these kids attended some sort of outback camp, and it was like Survivor for children. Every week the kids would have the chance to win some gold star worth $20,000 (?), and every week whichever kid won it would say that the money would go towards their college fund. These weren't older teenagers, but kids from 6-12. Like seriously, when I was a kid you would want that money for the newest gaming system, a bike or a pony. Going to college wasn't even a thought.

So I don't think all the fault lies with women here. At the age of 18 you often aren't sure what you want to do in life, and you have older people saying "Any degree is a good degree." and "You can't put a price on education!". A college degree is pimped out as some sort of panacea by previous generations, when in many cases it might as well be a boat anchor of debt hanging around your neck.

Originally Posted by thenamelessone

Honestly...

I suspect a lot of these women who go to university to take some pointless degree probably would have been happy to just marry a guy and have kids instead. The problem is that if they admitted this to their parents they would hit the roof. Society (especially the U.S) really loves to push tertiary education, to the point you're considered a complete loser if you haven't attended college or are just happy to 'settle' for being a housewife.
I recall one particular U.S reality show where these kids attended some sort of outback camp, and it was like Survivor for children. Every week the kids would have the chance to win some gold star worth $20,000 (?), and every week whichever kid won it would say that the money would go towards their college fund. These weren't older teenagers, but kids from 6-12. Like seriously, when I was a kid you would want that money for the newest gaming system, a bike or a pony. Going to college wasn't even a thought.

So I don't think all the fault lies with women here. At the age of 18 you often aren't sure what you want to do in life, and you have older people saying "Any degree is a good degree." and "You can't put a price on education!". A college degree is pimped out as some sort of panacea by previous generations, when in many cases it might as well be a boat anchor of debt hanging around your neck.

College has turned into a coddling event, they don't strengthen minds and independence, instead they weaken minds and create dependents on authority. It's several thick coats of primer for a communist mindset and way of thinking. That's why they march in lockstep against anything that dare to challenge their way of thinking, in essence putting a warrant to death on any messenger that dare tread on their cult's ideology.

There's no dirty trick they wont attempt to force their will on others.

Colleges and Universities are now institutions of cultural cancer and cancel culture, in other words, a viper pit.

I got my college level education on molar math, chemistry, and botany, on the internet, where intelligent people freely speak and share their practical working knowledge without a bias mandated curriculum with the worst form of price gouging when you add up what you paid for and then try to apply it to a real world environment.

Lately I've been watching medical programs and getting a good understanding of blood chemistry (just like plants, but people transpiration streams). I do this while they cower and coddle one another in a designated safe-space.

I have my own brand of plant foods developed by myself and my brother both GED grads that left school early thanks to the stench of feminism!

I cherry pick the knowledge while they get harnessed with debt slavery!

I've made in a good year enough to pay their entire tuition!

Now I ask you, who's getting a practical education and who's getting fucked?

Originally Posted by jagrmeister

Another one:

__

Wife- likely carouseler with resulting "mental health" issues. Man- playing Capt Save a Ho in every way possible.

Captain Save-a-Ho? No, this man is bucking for a promotion to Colonel Save-a-Ho.

But notice how he ends with a not-so-veiled appeal for the government bail out.

And notice how his wife is another one of these women whose "mental condition" keeps them from working....when there is a husband to pay the bills.

If she were single, she would either work or develop a new and different medical condition, a foot condition known as "being prone to being horizontal due to having round heels."

Originally Posted by LizardPerson

He could do much better than Bernie Freestuff and just change the laws to allow bankruptcy to include student debts, rather than forcing taxpayers to pay for the scam. Those predatory lenders deserve 100% to have to eat those loans, or go after the predatory universities to get it back. Lending somebody $100k they cannot bankruptcy away for a useless degree that will never make decent money is modern day slavery, and anybody participating in it knew what they were doing is wrong.

About a decade ago, the federal government absorbed the student loan program. IIRC the banks signed over that debt to the government.

Captain Save-a-Ho? No, this man is bucking for a promotion to Colonel Save-a-Ho.

LOL!

I'm Admiral Slave-a-Ho, from the long lost fleet!