I think UL is wishing he hadn't taken on $165k of student loan debt, but he can't rewind the past. He is trying to manage it as best he can by doing the Total Money Makeover and accepting the fact that the loan forbearance by the government is going to be the most expedient way to relieve the noose of debt, as razz called it. His only alternative would be to find a job that pays twice as much as he's making now, at the very least and then pay off the whole thing.

Since the government has a legal program that will in effect "pay" him over 10k a year extra for 10 years to relieve himself of the debt, that's the choice he's making and it's not a dumb choice. He's already made his dumb choice years ago when taking out the debt to begin with. But again, he's fired up to get rid of his paltry $645 medical debt and he's trying to improve his finances.

I don't know why people are giving him such a hard time.