Is (student) Loan Forgiveness Moral or Immoral?

{Is Loan Forgiveness Moral or Immoral?} Is it biblical for a Christian to file for student loan forgiveness? I attended college in my 20s and racked up 20k in student loans. The balance is currently at 16k. Biden's student loan forgiveness plan would really help, but would I be "taking the easy way out" when I'm able-bodied to pay off the remainder over time myself? Would it be selfish and irresponsible, or a blessing, to accept the aid?