Talking to a friend who also has a single-member LLC small business. We both have federal grad student loans, no private.

So when I read about the punishments for default it's all 1) tank your credit score, 2) garnish wages, 3) take your tax refund, 4) take your social security. All of these feel manageable to me as a small business owner. 1) tank credit score? boo-hoo, I don't care. I own my home, and if we need a car loan my husband can just do all that in his name. 2) obv. wage garnishment isn't an issue in this scenario, so that liability gets bumped over to 3) taking any tax refunds, right? I'm shooting for $0 when it comes to a tax refund anyway (not interested in giving our 0% interest loans myself), so this doesn't frighten me. 4) if the only way they can get their money back is to withhold any future social security payments, isn't this maybe all the more incentive for feds to make sure the program exists 20+ years from now?

I'm on the SAVE plan court decision forbearance right now, but I'm thinking some September/whenever payments are due, I'm just not paying. Just feeling a big FU. Anything else I should take into consideration?