...and because of inflation (recession even), you now make LESS.

So the student/private loan starts kicking your ass.

So a mortgage in your previous post isn't a good example, because it has a fixed ammonization schedule. The interest is transparent.

But for someone who pays student, or private loans, there is no fixed schedule. If you defer, or pay minimums, and interest EXCEEDS what you would have paid before...

“The foreigner residing among you must be treated as your native-born. Love them as yourself.” -Leviticus 19:34