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You think this forgiveness helps those who need help the most? Seriously? How many poor people this helps instead of helping those middle class kids who spend $100 every other day to party? I know because I live in an expensive city and see these people on my circle.

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Please look up the term "sampling bias". You have an inaccurate, biased understanding of why the majority of student loan debt happens. Your sample is too small and not representative of the country's overall population. Especially if you live in an expensive area, as you said, you are only seeing how "people who can afford to live in your expensive area" handle student loans.

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