What if I can afford to repay it? So what? My wife and I can easily afford the 1500$ a month minimums we have to pay(We pay more than our minimums in an effort to expedite the process) but while we do pay off these loans we also choose not to have children, or buy a house, or buy cars. I can say without a doubt that our educations have been valuable, but not in the sense that we learned have anything other than that higher education is a signaling scam designed to keep people poorer than ourselves outside of the working class.