A stranger clears your debt but owns one year. Deal?

What does 'owns your time' actually entail? Working 9-5 for them? Giving up hobbies? That context matters a lot.

Nah nah nah. Your time is literally your life. You can't get that back.

Freedom from debt stress could actually be life-changing though. Might be worth exploring the terms first.

This is basically indentured servitude. No thanks.

Depends on what 'owns your time' means. If it's just one year of work, could be worth the clean slate financially.

A year of indentured servitude? That's basically slavery with extra steps. Hard pass.