system
A chat on subreddit /r/wallstreetbets
human
You might be right about that but i am looking for options 4-5 years out when default rates will be possibly over 40%. I think its 10-15% rn which is already terrible.  
  
 Buying them now may be a bit early i agree but i cant wait to make the  money :)

gpt
The rates will never hit 40%. The average student loan rate is 4.8% for undergrad and 6.38% for graduate students. As much as I hate paying my student loans every month they aren't going anywhere.