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Be in the worst debt imaginable when it’s time to pay it back
Edit: many of the top comments have the same idea. What kinda world do we live in where this is the more agreed upon answer than anything else?
I fail to see what is so injust about it. Loan, by definition, is something you’re expected to pay back. If someone borrows you their car you return it with a full tank. If someone borrows you money you pay back with interests. Seems fair to me.
I’d pay it back immediately. The interests for something like that are in the tens of thousands.
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Depends on the payback terms and interest rate.
This is the correct answer.
pay it back immediately and probably get hit with a thousand dollars in fees anyway, because loans are stupid.
this.
Fuckin a.
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Freak out over how I was going to repay the loan
Just use the money you borrowed.
You could just hand it back if you’re that scared, I guess.
Use it as collateral for as many additional fraudulent loans as possible. Ponzi myself up to the billions temporarily. Then leverage those billions for more loans in the trillions then more and more until I then crash the global banking and finance systems.
Then sit back, cook a marshmellow on a campfire made from the ruins of the old world and reflect on starting anew.
That entirely depends on the terms of the loan.
Short term low interest? Buy some stocks that might go up more than the interest.
Long term low interest? Buy a spread of land and breed heirloom hogs and fancy ingredients and sell them to fancy restaurants and dumb yuppies and dinks.
But if the rate is over 9% you can fuck off.
Smart, I would do something similar, except was thinking ducks depending on the area. Pig farming seems less profitable.
People complain about pigs but I found them pretty easy to care for. But if you’re going for a niche market you need a gimmick and heirloom breeds like the Berkshire and Kune Kune can get a fairly good price for being fancy.
Plus they are way less needy than The Other White Meat in terms of shelter and care, and they taste waaaaay better and give you more delicious lard.
(Dear god let me flee the suburbs.)
Move all the funds to a cayman islands or swiss shell corporation then file for bankruptcy to remove the debt and move to a country with no extradition to the US.
https://worldpopulationreview.com/country-rankings/countries-without-extradition
What country would you want to move to? I’ve heard plenty of people reference countries with no extradition, but I never really looked into which ones those actually were. Without knowing anything about it, I think I’d go with Vanuatu.
There are a lot of countries that have extradition policies that don’t follow them for people they consider citizens.
Take this example with Greece: https://www.ctpublic.org/news/2026-09-30/kosta-diamantis-cts-disgraced-former-deputy-budget-director-sentenced.
Greece has extradition treaties with the US but won’t extradite the scumbag because he is a citizen.
This happens with a lot of people who flee to their home country.
Quit this dumbass job
That’s gonna make it hard to pay back the loan…
If it’s market rate, just pay it back. Don’t have a use for it. People won’t be lending money at a rate that one can reliably expect to make a return.
If it’s way below market rate for some reason, and it’s long-term, then maybe invest it. I’d want to understand why I’d be getting a loan on those terms, though.
Go to one of those countries where they can’t come after me when I don’t pay it back
Void the transaction. There’s no way I’d be able to pay it back and I do not need any of that and everything that goes with it.
Heck, I might not even be able to afford the interest that accrued on it in the short time I had it and I’d be looking for pro bono legal representation ASAP if the lender tried to stick me with it.
There’s no way I would have knowingly signed for it, so it ought to be an open and shut case.
No thank you. No way. Nuh-uh.
Now if this million was to be no strings attached and no repayment required, half’s getting invested properly after a chat with a financial advisor and the other half is going in the highest interest bank account(s) I can get for it. Then I’ll live off 60-80% of the interest, leaving the rest to stave off inflation.
I’d still have to live a frugal lifestyle, but I’d be more comfortable than I am on government handouts and I wouldn’t have to worry about a government stripping the help I currently get.
pay off all my other debt instantly, use a couple k to replace broken things i put up with, make a 6 months’ expenses emergency savings account, and invest the remainder in something relatively low risk that hopefully gives dividends equal to or greater than the monthly payment amount for this loan
my life would be relatively unchanged unless that investment dividend was crazy
