I'm considering doing this.

I'm eligible for dual citizenship and am in the process of acquiring my second citizenship.

My reasons are two-fold:

1.) I've fallen through the cracks and ended up in a situation the system did not account for. I had a medical incident during my last semester of graduate school that turned out to be a presenting relapse of Multiple Sclerosis. Obviously I couldn't have anticipated this when I went to undergraduate and graduate school. The problem comes in in that the system treats disability as completely binary: Either you can't work at all/can work so little you can't earn more than 1600/mo, or they assume you're fine and can pay everything off. I can work, but I can't work in the field or to the level that I planned for before I got ill. In addition, I have expenses working full time that an able bodied person doesn't just to allow me to do that full time work and that aren't considered in the income based payment calculations. So I fall in the hole of 'make too much to be considered disabled, but not enough to actually pay' due to a condition that is incurable. Also, I have a special Medicaid exemption that allows me to earn more without losing healthcare, but not enough to actually pay back my loans. So even if I could get and maintain a job that would pay a salary that would let me pay, I'd then lose my healthcare and I'd hit the out of pocket maximum every year on any private plan, resulting in a substantial decrease in actual salary.

There's functionally no way for me to pay my loans: If I give up the supports I pay for to pay my loans, I can't work full time anymore and can't pay my loans. the jobs that would pay over 100k in this state (what I would need at minimum to cover supports, healthcare I'd lose, and loan payments) won't hire someone who needs frequent time off, a bunch of employment flexibility, who can't work overtime, and can't be subjected to too much stress. I can barely work one full time job, so additional jobs or hustling isn't an option. I'm just stuck.

2.) I don't consider the US government to be a trustworthy contract partner at this point. I was one of the people who consolidated my loans to take advantage of the SAVE program under Biden's administration. They've struck down SAVE, but haven't done a thing for those of us who consolidated our loans and added to the principal because we trusted what we were told by the government. If I can be told by the government that doing something will help me, and then 2 years later they reverse that with no recourse offered, that tells me none of the terms can be depended on. If our own government's answer to this is 'you shouldn't have listened to the government, sucker', then well... I don't trust them to fulfill their end of the contract, and I don't particularly like the idea of owing money to an institution with both an extreme amount of power over my life and no intent on sticking to agreements or dealing fairly with me. It makes me nervous, especially for 10-20 years down the road.