You are incorrect. The majority of loan borrowers when asked said that they would spend the loan money on other things than building up their credit.

After student loan forgiveness, 73% of borrowers plan to spend more on travel and dining out
https://www.cnbc.com/2022/11/09/how-student-debt-forgiveness-recipients-plan-to-spend.html

Many people including Democrats don't believe that it's fair to cause the middle class to bare the tax expense for those who take out college loans and have others pay for them. This includes people who have paid off their loans, didn't have loans and didn't attend college.

https://www.cbsnews.com/news/biden-student-loan-forgiveness-plan-backlash-criticism/

President Biden's plan to forgive between $10,000 and $20,000 of student loan debt for borrowers making less than $125,000 a year has incurred criticism from Republicans, some economists — and even some Democrats.

"The plan, the White House says, will benefit up to 43 million Americans, wiping out billions of dollars of student loan debt. But critics of the debt cancellation argue it will contribute to already high inflation, does nothing to help low-income people who never attended college, is unfair to people who already paid off their student debt, doesn't address the underlying cost of college and even could be struck down by courts."

The Bible reveals that God, who is all-powerful, created two people initially (Genesis 1)—a man and woman (Genesis 1:26–27) called Adam and Eve (e.g., Genesis 2:19, 3:20; 1 Timothy 2:13). Adam was the first man (1 Corinthians 15:45), and Eve was the mother of all the living (Genesis 3:20).

Allow me to state the obvious to make some points: parents produce children. Those children grow up and produce children, and the process continues. Scientifically, we can test this: humans have more humans. Since mankind was commanded to be fruitful and multiply, childbearing and population growth is appropriate (Genesis 1:28).

Adam and Eve had many sons and daughters over the course of many years (Genesis 5:4), so, yes, originally brothers and sisters had to marry. That was admissible originally of necessity (and not a problem for genetic diseases that wouldn’t have existed yet so soon after the degenerate effects from sin and the curse), but God set up most familiar incest laws at the time of Moses (e.g., Leviticus 18), which was about 2,500 years after Adam and Eve. So, from the Christian position, it is no longer appropriate to marry close relatives.

Consider the secular view that seven billion people on the earth came from an almost infinitely dense and hot matter that exploded and came from nothing, yet there is no criticism there? Let’s evaluate this. Do people come from people or do people come from inanimate material? We observe people coming from people, but people don’t come from rocks. One of these views is logical and clearly possible—one isn’t.

In a few thousand years, we expect only seven billion humans. But calculating how many humans there should be in tens of thousands of years doesn’t add up—or rather adds up quite a bit too much! I want to encourage you to trust God’s Word as the supreme authority for a starting point on the origin of people.
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So where did penguins come from? The Bible tells us in Genesis 1:20–22 that God created all sea creatures and birds on Day 5 of the Creation Week.

The Bible says that God created the different “kinds” of animals. The classification of “kind” is not the same as what scientists call “species.” I believe that “kinds” are probably best represented today by the classification “families.”

During his daring trip around the Cape of Good Hope in 1497–98, Vasco da Gama saw a strange-looking sight—birds leaping out of the ocean like porpoises. He and his crew were the first Europeans to report these acrobats of the sea, known as penguins.

After years of exploration, 17 species were discovered, quite similar in structure and coloration and belonging to the same family (Spheniscidae). Penguins are so different from other birds, in fact, that they are the only family in their order, the Sphenisciformes.

Skeptics have often mocked the biblical account of the Ark by highlighting the seeming absurdity of having one man travel the world to find two representatives of every animal species. This paints a picture in the listener’s mind of a person traveling across oceans to islands and continents in order to capture millions of animals. In addition to tracking down all of these animals, Noah would still need to build the Ark.

All of this certainly appears as if it would be too difficult for one person to complete, so how was Noah able to perform these tasks? As is often the case, the skeptic has constructed a straw man argument in an effort to undermine the authenticity of the biblical account. For example, Noah did not need to bring two of every species of animal on board the Ark—he needed to bring two of each kind of unclean land animal and seven or seven pairs of each clean animal. This means he probably needed to bring fewer than 5,000 animals.

Another problem with this skeptical claim is that it assumes that the pre-Flood land masses were virtually the same as our world today. However, there are good biblical reasons to think that prior to the Flood there was only one continent, so even if Noah had to track down all these animals, he would not need to travel overseas to find them. For example, the passage in Genesis 1:9–10 states that all the water was gathered together in one place, which seems to indicate that all the land was in one place. Also, the description of the pre-Flood world in Genesis 2:10–14 does not match any place on earth today.

The biggest problem with this skeptical claim is that Noah didn’t even need to travel the world and catch all the animals. God said in Genesis 6:20 that the animals and birds would come to Noah to be kept alive. Since God brought the animals to Noah, this entire skeptical claim is moot.
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These are yet another example of why it is so important to look at what Scripture actually states about an issue rather than taking the skeptic’s word for it. Many of their objections are based on what they think the Bible states or what they’ve heard from someone else rather than taking the time to carefully read Scripture.

Some good arguments on both sides. A couple of things. Debt relief recipients would not see the $10,000 or $20,000 show up in their checking accounts. Remaining balances will be re-amortized, meaning monthly payments will be recalculated to reflect the new smaller balance (if there is one left). Repayment of student loans has already been suspended since March 2020 as part of helping people cope with Covid. If that balance is $10,000 or less, that poor person will realize no extra cash to spend on Pizza night out.

One Republican argument is that the debt relief is unfair to Americans who never attended college. That argument has some merit. It is similar to the argument I hear from wealthy homeowners in my town who squawk about paying school taxes when they have no kids in school. President Biden is on the right track helping kids to go to college.

More blatant class warfare to justify the raiding of the US Treasury by the Democratic Party. You are naive, uninformed, ignorant, and unknowing as to how the sausage in DC gets made. You actually think when the Democrats raise taxes on the rich and the evil corporations that taxes on the peons go down. You are so trusting.

When Liberals raise taxes on the rich, at the same time they create ginormous tax loop holes, that their friends and the people who contribute to their political campaigns will take advantage of. But then you do know about those tax loop holes for the well connected, right ?

Some good arguments on both sides. A couple of things. Debt relief recipients would not see the $10,000 or $20,000 show up in their checking accounts. Remaining balances will be re-amortized, meaning monthly payments will be recalculated to reflect the new smaller balance (if there is one left). Repayment of student loans has already been suspended since March 2020 as part of helping people cope with Covid. If that balance is $10,000 or less, that poor person will realize no extra cash to spend on Pizza night out.

One Republican argument is that the debt relief is unfair to Americans who never attended college. That argument has some merit. It is similar to the argument I hear from wealthy homeowners in my town who squawk about paying school taxes when they have no kids in school. President Biden is on the right track helping kids to go to college.