Ok so my son has a hand-me-down iPhone he's had for about 5 years (his grandmother upgraded). He pinches his pennies. Lives in a shared apartment with 4 other people, makes about 60% of a living wage. He also has a permanent disability. Multiple actually. Blind with cerebral palsy.
HIS LOANS ARE NOT FORGIVEN.
It's not like everyone's plans are forgiven. Only segments of the population.