Government is scale, power, and force. It is, at times, a practical instrument to wield. But of all things that government is, surely government is NOT love.
You're an adult. You don't need government "chocolate" to mess with your life incentives.
Don't let debt kill your dreams. Empower yourself to pursue real happiness by following the principles discussed in Dave Ramsey's <i>The Total Money Makeover</i>. There's no magic here. Common sense really works.