These two ideas you present aren't mutually exclusive. Thinking that they are is limiting.
Example: "Oh hey, yeah the current system is predatory and unfair. [Bam, loans forgiven.] Also, because of that injustice, we never want to put anyone into that position again [Bam, affordable higher education]." Do the rich get "more forgiveness" than the poor? Yeah, that's not really a problem if 100% == 100%.
I get that the rich people who pulled up the ladder after getting a cheap college education feel that loan forgiveness is cutting into their earning potential. But the needs of the rich do not and should not outweigh the needs of the many.
When you start feeling hopeless about student loans not being forgiven, remember that PPP loans were all forgiven. PPP loans taken out by businesses and corporations. Domination is the point with all of the subhuman unwashed anuses leading this country. Never forget how they line their own pockets at our expense, and fight against us at every turn with the courts and all three branches of government. All of it has been weaponized against us and no longer serves us in any capacity.