I agree with MgoSam.
Practically the first quote is:
"At the end of the day, it's my own fault for being a sucker and I learned an extremely hard lesson."
He takes responsibility.
He's right though, in that he was screwed with and lied to. That he bought the lies? Yeah, his responsibility, and he admits it. Guy just needs to come on over here and learn how to live like a king on 45k. He's obviously paying more than the minimum 400$ payment at this point, at least by this paragraph:
. I live with my parents. I don't have a car. I don't go out to socialize. I don't date. I don't buy new clothes. I don't buy electronics. I don't buy much of anything. I spend my free time working other jobs to put more money toward my debt.
His hair is on fire, and he knows it! 200,000$ is a really, really big fire, though. It sounds to me like he's doing exactly what he needs to to take care of his Debt Emergency. I can't blame him for being bummed out about it. With a slightly-improved attitude (which, let's face it, could totally just be the tone of the article-- an editorial decision) this fellow would fit in just fine, here.
To be honest, I'm wondering if I am reading the same link as the OP--but he posted it, so I must be.