The problem is the rich man is putting up his assets as collateral for the loan at an interest rate you can never get. Usually under 1% or even less.

You don't.

It seems within the realm of possibility that you might find an employer to agree to pay you in company stock. Good luck with the bank loan though..

1. Set up a not for profit org overseas in some tax haven.
2. Make a deal with some liberal politicians here that if if they send money to your organization overseas that provides "debt relief", their family members will receive 10% for doing nothing.
3. Take the remaining 90% from the overseas organization and use it to pay off your own debt. It's not like that money is ever going to have any oversight.