

Non-millenial here, also watching my payments skyrocket by 440%. Can’t get loans with my excellent credit score because my debt to income ratio is super high. At this point it would cost me less to tank my credit, go into default, and be garnished since my credit score is meaningless anyway.
But not so shy that you wouldn’t get naked on a beach, take a photo, and post it to the internet. I don’t think you know what that word means.