

Just a stupid joke on the tendency people have to try to reconstruct etymology from the top down rather than bottom up, often using tenuous logical connections lol
Boomers are called that because they were born after the nuclear bombing of Hiroshima and Nagasaki
Zoomers are the generation of high speed rail and fast cars
Gen alpha are all chads due to the hormones used in agriculture
If it’s gonna take more than a few years to pay off, you might consider defaulting. Credit card debt is some of the most easily dischargeable debt.
That can range from offers in compromise to declaring some sort of bankruptcy to just not paying them anymore (the latter might have repercussions if you have seizable assets or enough debt that the carriers think it’s worth going through the courts to try and garnish your wages, assuming you have regular W2 income). Or if you currently have decent credit, a refi might even be a good option.
Do your own research, this is not financial advice.
I know people that just stopped paying and basically nothing happened. Credit scores went through the floor, but that’s pretty much it. Within a couple years they were able to open new cards, and after seven years the dings fell off their credit reports.