Forgive the debt. It's the most Godly and Righteous thing to do. On another note the Social Security Administration /Government has been robbing people for years. I along with countless other Americans never agreed for them to take out money from our weekly/Bi-weekly/monthly wages. For the sake of setting me up for when I get to be the minimum age (No American wage earners input went into determining the age it would be disbursed) to benefit. Thats not for anyone to do against any persons will. You work from the age of 22 until you retire in 25 years. You're 47. They've taken at minimum $100 a week for 25 years. Considering wage increases and promotions. That's at least $125,000.00 Sitting somewhere that truly belongs to that worker. Within that time Americans have families and end up with kids with student loan debt. That money that's owed could minimize personal debt, purchase homes, be invested. Also, at 47 it's not available to get the money you've worked for. That's a crime itself.