* already made inroads in direct student loan repayment, perhaps by putting living expenses on credit card during that time
* gone through a significant interim period between when the student loan balance had been paid off, via credit card funds, and when it became impossible to keep head above water necessitating bankruptcy
* juggled cash advances from various credit cards during this interim in order to meet various monthly payments
and importantly:
* very very very seriously considered the dire, ultimately ill advised, legal consequences of resorting to such measures
* never, even hypothetically, floated the topic in some public forum
*tended toward the hyper-detail personality type (as opposed to absent minded academic-idealist type), and toward the major cojones-possessing type
The latter points would certainly have eliminated my guileless and impractical self as a candidate even if I hadn't in the first place been speaking entirely from the space of abstract inquisitiveness, which _of course_ I was.
--M