Generally, when people talk about "bad choices" they mean things like getting into gambling debt or doing something illegal. This guy hasn't been unethical or broken any laws. He's now homeless. I feel bad for him. Doesn't mean I think the government should forgive his loan altogether, but he's not like someone who tried to get rich quick by robbing a bank or committing fraud.I stand by my general lack of sympathy for someone who makes abysmally bad choices.