<p>I’m not talking about making anything someone else’s responsibility, and based on the limited information about the situation of the OP’s friend, you have no basis to conclude they are either. They reached an agreement with the school. For all you (or I) know, they’re making payments with something pledged as security and paying interest. Or maybe the school agreed to reduce what was owed. You don’t know what happened, but that sure doesn’t stop you from throwing rocks, does it? </p>
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