I have $55,000 in student loan debt with Sallie Mae. No co-signer but I am married. My spouse wants a kid. If we have a kid, that means I won’t be working for at least the next 5 years with no income and I wouldn’t be filling taxes since no income.

I don’t plan on paying all this back. I’d be willing to settle though. How likely would it be for Sallie Mae to just eventually fuck off? Anyone in a similar situation?