They live right on the edge of their income, paycheck to paycheck, whether they're making low 5 figures or high 6 figures. My generation is, generally speaking, piss poor with money management. Meanwhile not only did I pay back my student loans, I did so while making the equivalent of a full-time minimum wage job, and nearly maxed out my ROTH IRA while doing so. Living on a tight budget is difficult, and those seeking student loan forgiveness do not want anything difficult.