who are the chads in this situation
No one
None of you win in this scenario.
That's...very inaccurate, and not from my posts at all.
I have a Government Student Loan of about $70,000, which normally is paid back through my taxes, but if I voluntarily pay any amount then the total debt is reduced by an additional 10 - 30%, and in certain circumstances the entire debt can be cleared without paying a single cent. I can also pay this off after moving overseas and the debt is non-transferable so if I die, then it's erased. It's not a big deal at all.
I'm not going homeless, and I have stable work, but I am moving to a new job soon that better suits my skill set and pays more and more regularly (Community Manager/PR/Sales), because I'm satisfied in myself to know what's best for me.
I've read a lot of Toxicology's posts and formed a valid opinion about his persona. You've read one post about me from an outside source that is an inside joke and intentionally factually wrong.
I thought it was up to 76 gorillion shmekels