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Being an "average veteran" is sorta like being an "average millionaire". Your talking about a very narrow part of the population. And given where many of the vetrans I know are, your probably not average for a veteran either. Edit: many of them have no real plan for next year, let alone 10...

I think it would be reasonable to make them dischargeable in bankruptcy, treat it as normal debt. That I think would be sufficient relief for people who already have high debts: if maintaining your credit score is worth more than the pain of making your payments, good for them. If not, well...