Given what this guy has professed in the video the title shouldn’t read “I’ll never pay it back” it should say “and I have no intention of paying it back”. The financial advisors told him what would be required for him to be able to pay it off. It’s not that he can’t it’s that he’s refusing to do so. He doesn’t want to sacrifice today to benefit tomorrow. In essence he has no ability to delay gratification. As long as he doesn’t default on his loan payments then I guess he will just continue paying the minimum balance for the rest of his life while interest continues to accrue. How he thinks he will be able to afford a house and a family is beyond me.