system
A chat on subreddit /r/wallstreetbets
human
&gt;25 years is a stretch, but go look at the interest on Amex loans, it's not fun. Unless he can get someone to help him out, that payoff plan is going to be ROUGH. 
  
  
 I'll save everyone the googling; 
  
  
 &gt; Annual percentage rates range from 6.9% to 19.98%

gpt
If OP makes decisions like this I'm gonna guess they're paying more towards the 19.98% side, so really ROUGH! I hope OP is not like 18 or something and just screwed up their life before they learned how real debt is.