I finally have something to add!
Granted, it might not really count. This is a friend of mine who has a decent job and had paid off $100k in student loans in 10 years. Granted, she has another $100k to go, which is a sick amount of debt for her job. She says she wishes that she just let it go and spent the $100k on travel and wasted it.
I'll let you all draw your own conclusions. I really like this person, and I get her frustration. But, the problem isn't the government or the IRS. It's that she ran up $200k in debt going to college.