[almosnow]

I will hardly have empathy for someone who does not pay whatever debts he/she explicity acquired for his own benefit.

Sorry, but your grandma is right. I understand that you probably were young and naive and made a choice that you had to regret later, I also understand the problems that you could've encountered during your carrer, but still a debt is a debt and you have to pay.

And, by the way, I'm 27.