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If you're worried about your credit score, game that shit too. Student loan debt reported? Contest it. They have to go back and prove the debt is yours. As it gets sold, resold, etc, the documentation gets lost, misplaced, names spelled wrong, Yada Yada.

You keep these credit reporting companies spinning to prove it. This keeps it off your report for other purposes. I have done this FOR YEARS.

They can't prove I owe it anymore. For all intents and purposes, I never had student loans. Nobody can find the documentation anymore.

Game the system, my loves. They fuck you, fuck them back.