Reply #13: Any choice that she has will be considered irresponsible at this point.

[ehrnst]

If she doesn't pay off her loans on time, she accumulates interest penalties, and doesn't have it to put in savings or retirement or other bills - and she's a deadbeat.

If she takes a deferral, see above.

If she defaults on her loan - she's a deadbeat, and she makes it harder for others to borrow.

If she takes a low paying job that doesn't provide health insurance, and she racks up medical debt - she's irresponsible.

She could do something blatantly illegal, like sell drugs - and she's irresponsible.

The fact that she has more monetary value for being a sex object than for being an academic is the thing that should disturb us far more than fact that she recognized it as a way to deal with the deck that is stacked against her.