I tend to think about all options in their wost case scenario (if everything goes wrong), and then check which of the options at their worst I would regret more, and go for the one with least regret.

Use to pay any other debt with higher interest rates than said loan. After that, if this still has high rates, pay back as much as possible. If the rate is good enough, use it to buy a house to live in.

Was gonna ask if you lived in Europe, then saw your instance hahaha. Here the rescue lane thing works but I have lived in other countries where it doesn’t happen at all. Though at least is not because people “don’t want to make room” but because driving is a nightmare and people usually pack very tightly in traffic jams as if that’s gonna make it any better. The madness of crowds…

What triggers the loop? Sleeping? Unsubscribing from life? There are many experiments to do if there will be no consequences