August 14, 2025 at 2:55 am

PhD Student Said He Has A Student Loan Hack That Might Make His Classes Cost $1,000 A Year

by Matthew Gilligan

man talking about student loans

TikTok/@thenormajeane5

Well, I guess this is one way to do it…

A man posted a video on TikTok and explained how he plans to never pay off his student loans…

And it sounds like it might work!

man talking to a camera

TikTok/@thenormajeane5

The man told viewers, “I’ve decided that I’m never going to pay back my student loans and this is how.”

He told folks that he’s working on his doctoral degree and he’ll “be milking those student loan refund checks throughout the process.”

The TikTokker said that after he gets his degree, “I’m going to continue going to college for the rest of my life.”

man talking about student loans

TikTok/@thenormajeane5

He said he’s going to pay to take two classes each semester for at least two semesters a year, which will cost him about $2,000 per year, but he’ll get a $1,000 tax credit each year, so he’ll really only be paying $1,000 annually.

The TikTokker said he’ll continue to earn associate’s degrees for the rest of his life and he’ll “keep learning.”

Sounds like a plan!

man talking to tiktok viewers

TikTok/@thenormajeane5

Here’s the video.

@thenormajeane5

For legal purporses this is SATIRE: I’m never going to pay back those student loans. – don’t get me wrong I know it’s inevitable and I hope to be in a better place in the future I guess.

♬ Don’t Forget About Us – KAYTRANADA Remix – Mariah Carey & KAYTRANADA

The TikTokker posted a follow-up video and addressed a comment from a viewer.

Check out what he had to say.

@thenormajeane5

Replying to @Jeff there is no loophole, it’s simply the law about student loans. SATIRE Lynn too was mental unwell lol 😂

♬ Don’t Forget About Us – KAYTRANADA Remix – Mariah Carey & KAYTRANADA

Viewers shared their thoughts.

This person chimed in.

Screenshot 2025 07 02 at 8.18.36 AM PhD Student Said He Has A Student Loan Hack That Might Make His Classes Cost $1,000 A Year

Another individual shared their thoughts.

Screenshot 2025 07 02 at 8.18.55 AM PhD Student Said He Has A Student Loan Hack That Might Make His Classes Cost $1,000 A Year

And this TikTokker spoke up.

Screenshot 2025 07 02 at 8.19.10 AM PhD Student Said He Has A Student Loan Hack That Might Make His Classes Cost $1,000 A Year

He’s looking to take advantage of the system…forever.

If you liked that story, check out this one about a 72-year-old woman was told by her life insurance company that her policy was worthless because she’d paid for 40 years. 🙁