<human>: Provide a brief overview of the text.

Hi there - I have a question that kind of flies in the face that everything this subreddit stands for, so I am prepared for down votes.

It's been hammered into me my entire life that I need a good credit score. I just can't see why I would need one - I know most men on Reddit are pretty sure they'll be rich, somehow, but I know I'll never be able to afford a car or a home. That's fine with me. I don't need them, living here. I don't see needing a huge loan in the future. Right now, I have two credit cards - $10k limit on both, and they currently have a $0 balance (I don't use them a lot). 

I did the math: if I save 100% of my income for the next 10 years... I'll still not be able to afford a 20% down payment here. I'm an assistant professor in a major city and I love my job. I tutor on the side.

One of my colleagues/friends said recently at a party that he trashed his credit score on purpose, to pay down his student loans aggressively over 3 years. This sounds pretty appealing to me - it's 5 years later for him, and it's almost fallen off his credit report. I feel like so much of my life is controlled by my student loans that this is appealing.
<bot>: Why does a young, working class person need a good credit score? Most of my friends and I will be renters forever.