Student loan debt has multiple repayment options… pegging the payments at 10% of income, letting you take long breaks from payment if you need them, and the debt is forgiven in 10 or 20 years, or at age 55.
Unless you get the private loans… then you are truly screwed. In which case actual arm breakers probably trump “arm breakers”. I really wish the desperate would get more creative. It would force our society to stop being so fucking cruel… if there were real consequences to this kind of stuff.