Wait till they start garnishing your pay for student loan default.
Withholding Money From Your Wages
Your loan holder can order your employer to withhold up to 15 percent of your
disposable pay to collect your defaulted debt without taking you to court. This withholding (“garnishment”) continues until your defaulted loan is paid in full or removed from default.
She can however do like Mike Meru and pay the minimum IBR for 20 years.
Mike Meru Has $1 Million in Student Loans. How Did That Happen?
"Due to escalating tuition and easy credit, the U.S. has 101 people who owe at least $1 million in federal student loans, according to the Education Department. Five years ago, 14 people owed that much. More could join that group. While the typical student borrower owes $17,000, the number of those who owe at least $100,000 has risen to around 2.5 million, nearly 6% of the borrowing pool, Education Department data show."