JUST REMEMBER IT WAS THE GOVERNMENT WHO FORCED STUDENTS UNDER 26 TO USE PARENTS INCOME GUIDELINES TO OBTAIN LOANS AND GRANTS, EVEN WHEN THOSE STUDENTS WERE FILING TAX RETURNS INDIVIDUALLY. THE PROBLEM WITH FED STUDENT LOAN FORGIVENESS, IS THAT THE FED LOANS ARE REGULATED. PRIVATE LOAN BORROWERS HAVE NONE. GOVERNMENT FAILS TO ACKNOWLEDGE HOW BAD THEY SUCK.