It's called due diligence spicejetter important when making life altering descisions [sic]
I'm an airline Captain and it's been a very long slog paying off a similar sized debt so far with many years to go. Make no mistake about it they have ruined their lives for the best part of the next two decades, they will be crippled by this debt and it will curb many future options and possibilities. The worst part is that all the warnings were posted here available to read for free.