Disclosure: I really don’t care to hear about how this is illegal because no one who gets a stipend turns around and throws it back at FAFSA 🤷🏻‍♀️

My husband and I have about 20k in debt. Well because of his military discount at my school, I’m getting about $5,000 in stipends back every 3 months. Even though I could walk out of my doctorates debt free, we are choosing to use every bit of the stipends towards our personal debt and setting ourselves up to ONLY have student loan debt. Essentially using it as debt consolidation. Has anyone done anything similar?