Summary: this is a brief post to inform the young, especially college-age men that the compounding effects of non-dischargeable student loan debt and divorce could potentially reduce a man to near starvation-level slavery for the rest of his life.
I am an engineer. I have student loans in the low 6 figures. I earn in the low 6 figures. Thanks to a series of good cryptocurrency investments, I have paid heavily into my loans and now "only" have to pay ~$1,000 per month into my loans. Until two months ago, it was ~$2,000 per month. My NET salary per month was approximately $5,400.
My student loans, alone, reduced me from having $5,400 to having $3,400, per month. That is greater than the difference between making 6 figures and making ~$50k per year once you factor in taxation.
Most importantly, this debt cannot be discharged in bankruptcy. No matter what I do, I will have to keep making my payments until the loans are paid or until I die, and until then, the loan servicers can go after my parents' (cosigners) house, cars, etc. if I do not pay, or go after my own. The stress this creates during periods of unemployment or layoffs is extreme.
The main point of this post is to tell you that I, once, intended to marry a teacher. We met in high school, dated in college, and our relationship followed the typical alpha-to-beta transition which characterizes most eventually female-dominated relationships. If we had been married, we would be divorced by now.
Her salary would have been ~$40K. Mine would have been ~100K.
By my (uneducated) estimate, I would owe her roughly one third of the difference in our salaries annually. Which is one third of of 60K, so 20K.
20K is nearly $1,800 per month. This would leave me with approximately $1,600 per month for myself for literally my entire budget: rent, a vehicle, food, you name it, all while having to hold down a professional position... for the conceivable future.
If you do not pay the divorce rape, you go to jail. If you go to jail, you will likely lose your job and not be able to pay. Then you will go to jail again and the banks fuck your family because you're not paying the student loans. If you do pay the divorce rape, you can't pay your student loan payments and the banks fuck your family. If you lose your job, you can't pay your student loan payments and the banks fuck your family AND you go to jail for missing the child support/alimony payments.
And no, your welfare state will not save you because you're one of those evil people who make money. And, what's worse, you're a man. The only way for you to live is to work to line others' pockets for the rest of your natural life because you made the mistake of taking on two synergistic, parasitic forms of non-dischargeable debt.
I want to stress that, despite all of the good reasons to not get married, this is the biggest one currently for me. Not only would I be incentivizing my wife to leave me, I would be incentivizing her to reduce me to a life of abject poverty in which the banks force my parents out of house and home.
I just wanted to mention this as fair warning. It has crossed my mind a few times and I don't remember seeing it mentioned here before.
I hope this prevents at least one soon-to-be-redpilled man see the potential for catastrophe in marriage, especially if he has student loans.
TLDR: Combining non-dischargeable student loan debt with non-dischargeable and jailable alimony and child support costs could potentially reduce a highly paid and highly educated man to subsistence level living for the remainder of his life. Keep this in mind before you consider getting married while having student loans.
Don't get married. Especially if you have student loans.
Edit: feel free to help me with better figures for the alimony/child support cost...