Yes my credit dropped no biggie though, because it was always crap lol. I live with my parents. Everything I own is not in my name. My car is not in my name. I don’t have “real assests”. And I don’t have any credit cards. Also, my job that I have been having it before missed payments. So all of the “background checks” have already been done years prior. My end goal is to either reach SOL (statue of limitation) which is 4 years in my state or if they sue before 4 years I will have an attorney settle. I save the money I’d be giving sallie Mae each month. My brother opened an account for me in his name so that money goes there. So when the time comes I’ll either withdrawal for settlement or keep it once the whole ordeal is over. I also have no co signer. So if you’re serious about defaulting get an apartment/home/car/job etc before doing so or atleast don’t have it in your name.