Don't pay it back. In this world, paying it back makes you a fool.

The Fact
"I knew this would happen"...
Delinquencies among the 2030 generation 'surge' amid the loan freeze; even new filers are in 'emergency' mode
Hold out.
Paying it back is what makes you a fool.
If you hold out without paying,
the idiots who worked hard to pay it back will end up bearing the entire burden.
This is the law taught by the country and by experience.